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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 | $100,239 | $78,425+27.8% | $95,956+4.5% | $79,858+25.5% |
| Participation rate | 59.3% | 73.5%-14.2pp | 77.1%-17.8pp | 69.6%-10.4pp |
| Annual return | 5.49% | 19.37%-13.9pp | 91.63%-86.1pp | 31.72%-26.2pp |
| Employer contribution / active EE | $1,125 | $1,945-42.2% | $2,541-55.7% | $2,471-54.5% |
| Participant deferral / active EE | $1,374 | $3,440-60.1% | $4,167-67.0% | $3,740-63.3% |
| Admin fee / account holder | $7,360 | $5,622+30.9% | $6,797+8.3% | $5,306+38.7% |