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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 | $180,456 | $63,365+184.8% | $91,994+96.2% | $72,975+147.3% |
| Participation rate | 14.3% | 72.5%-58.2pp | 78.6%-64.3pp | 69.5%-55.2pp |
| Annual return | 11.27% | 35.35%-24.1pp | 69.04%-57.8pp | 81.01%-69.7pp |
| Employer contribution / active EE | $782 | $2,116-63.0% | $3,453-77.4% | $2,440-68.0% |
| Participant deferral / active EE | $1,512 | $4,883-69.0% | $5,924-74.5% | $3,608-58.1% |
| Admin fee / account holder | $5,048 | $4,670+8.1% | $7,744-34.8% | $5,124-1.5% |