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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 | $89,842 | $76,371+17.6% | $93,621-4.0% | $72,975+23.1% |
| Participation rate | 36.2% | 71.8%-35.5pp | 75.8%-39.6pp | 69.5%-33.3pp |
| Annual return | 3.78% | 25.82%-22.0pp | 32.76%-29.0pp | 81.01%-77.2pp |
| Employer contribution / active EE | $785 | $2,276-65.5% | $2,719-71.1% | $2,440-67.8% |
| Participant deferral / active EE | $1,140 | $3,538-67.8% | $4,070-72.0% | $3,608-68.4% |
| Admin fee / account holder | $4,100 | $6,839-40.0% | $7,890-48.0% | $5,124-20.0% |