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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 | $104,443 | $83,485+25.1% | $125,180-16.6% | $72,983+43.1% |
| Participation rate | 36.4% | 73.3%-36.9pp | 79.8%-43.4pp | 69.5%-33.1pp |
| Annual return | 14.36% | 25.78%-11.4pp | 43.79%-29.4pp | 81.01%-66.6pp |
| Employer contribution / active EE | $762 | $2,346-67.5% | $3,866-80.3% | $2,440-68.8% |
| Participant deferral / active EE | $1,616 | $3,586-54.9% | $4,937-67.3% | $3,608-55.2% |
| Admin fee / account holder | $14,503 | $5,518+162.8% | $9,703+49.5% | $5,124+183.0% |