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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 | $47,136 | $55,636-15.3% | $81,988-42.5% | $73,493-35.9% |
| Participation rate | 63.0% | 62.3%+0.7pp | 69.3%-6.3pp | 70.7%-7.7pp |
| Annual return | 10.40% | 19.07%-8.7pp | 41.31%-30.9pp | 28.51%-18.1pp |
| Employer contribution / active EE | $3,140 | $1,625+93.3% | $2,498+25.7% | $2,270+38.3% |
| Participant deferral / active EE | $934 | $2,762-66.2% | $3,722-74.9% | $3,740-75.0% |
| Admin fee / account holder | $3,041 | $493+517.2% | $5,665-46.3% | $513+492.7% |