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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 | $101,990 | $95,453+6.8% | $112,040-9.0% | $82,448+23.7% |
| Participation rate | 41.2% | 72.8%-31.6pp | 76.5%-35.3pp | 68.1%-26.9pp |
| Annual return | 12.04% | 23.92%-11.9pp | 24.52%-12.5pp | 41.64%-29.6pp |
| Employer contribution / active EE | $912 | $2,318-60.7% | $2,954-69.1% | $2,551-64.3% |
| Participant deferral / active EE | $1,654 | $4,224-60.8% | $5,098-67.5% | $4,139-60.0% |
| Admin fee / account holder | $13,012 | $9,013+44.4% | $12,098+7.6% | $7,234+79.9% |