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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 | $74,490 | $78,423-5.0% | $95,964-22.4% | $79,856-6.7% |
| Participation rate | 44.4% | 73.5%-29.0pp | 77.1%-32.6pp | 69.6%-25.2pp |
| Annual return | 7.68% | 19.37%-11.7pp | 91.64%-84.0pp | 31.71%-24.0pp |
| Employer contribution / active EE | $929 | $1,945-52.3% | $2,541-63.5% | $2,471-62.4% |
| Participant deferral / active EE | $1,198 | $3,440-65.2% | $4,167-71.2% | $3,741-68.0% |
| Admin fee / account holder | $361 | $5,622-93.6% | $6,797-94.7% | $5,306-93.2% |