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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 | $101,246 | $72,012+40.6% | $185,827-45.5% | $79,858+26.8% |
| Participation rate | 16.7% | 65.8%-49.1pp | 78.0%-61.4pp | 69.6%-53.0pp |
| Annual return | 9.66% | 23.12%-13.5pp | 35.96%-26.3pp | 31.72%-22.1pp |
| Employer contribution / active EE | $453 | $1,965-76.9% | $4,087-88.9% | $2,471-81.7% |
| Participant deferral / active EE | $942 | $3,779-75.1% | $5,633-83.3% | $3,740-74.8% |
| Admin fee / account holder | $323 | $4,513-92.8% | $9,502-96.6% | $5,306-93.9% |