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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 | $106,769 | $83,002+28.6% | $98,090+8.8% | $64,097+66.6% |
| Participation rate | 20.1% | 75.0%-54.9pp | 81.5%-61.4pp | 55.2%-35.0pp |
| Annual return | 8.86% | 38.51%-29.7pp | 37.05%-28.2pp | 34.64%-25.8pp |
| Employer contribution / active EE | $767 | $2,749-72.1% | $3,606-78.7% | $1,891-59.5% |
| Participant deferral / active EE | $1,240 | $6,787-81.7% | $7,845-84.2% | $3,080-59.7% |
| Admin fee / account holder | $763 | $3,015-74.7% | $11,815-93.5% | $3,454-77.9% |