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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 | $126,097 | $78,707+60.2% | $117,861+7.0% | $70,126+79.8% |
| Participation rate | 20.4% | 73.2%-52.8pp | 79.7%-59.3pp | 69.5%-49.1pp |
| Annual return | 9.25% | 23.30%-14.1pp | 335.11%-325.9pp | 73.15%-63.9pp |
| Employer contribution / active EE | $526 | $2,223-76.4% | $3,786-86.1% | $2,343-77.6% |
| Participant deferral / active EE | $1,206 | $3,297-63.4% | $4,482-73.1% | $3,332-63.8% |
| Admin fee / account holder | $4,432 | $5,066-12.5% | $8,021-44.7% | $4,645-4.6% |