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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,070 | $93,345-23.9% | $119,126-40.3% | $87,485-18.8% |
| Participation rate | 69.0% | 68.7%+0.2pp | 75.8%-6.8pp | 68.9%0pp |
| Annual return | 8.98% | 19.08%-10.1pp | 282.11%-273.1pp | 26.06%-17.1pp |
| Employer contribution / active EE | $6,143 | $3,172+93.7% | $4,034+52.3% | $2,596+136.6% |
| Participant deferral / active EE | $1,044 | $4,099-74.5% | $5,318-80.4% | $4,274-75.6% |
| Admin fee / account holder | $6,691 | $8,039-16.8% | $10,693-37.4% | $7,775-13.9% |