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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 | $72,572 | $83,369-13.0% | $105,223-31.0% | $67,986+6.7% |
| Participation rate | 24.2% | 56.3%-32.1pp | 75.0%-50.9pp | 57.2%-33.0pp |
| Annual return | 12.94% | 24.64%-11.7pp | 180.65%-167.7pp | 31.67%-18.7pp |
| Employer contribution / active EE | $875 | $2,541-65.6% | $3,689-76.3% | $2,019-56.6% |
| Participant deferral / active EE | $371 | $3,295-88.7% | $5,072-92.7% | $3,358-88.9% |
| Admin fee / account holder | $3,043 | $4,073-25.3% | $8,859-65.6% | $3,203-5.0% |