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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 | $143,414 | $83,485+71.8% | $125,195+14.6% | $72,976+96.5% |
| Participation rate | 51.6% | 73.3%-21.7pp | 79.8%-28.2pp | 69.5%-17.9pp |
| Annual return | 2.25% | 25.77%-23.5pp | 43.79%-41.5pp | 81.02%-78.8pp |
| Employer contribution / active EE | $901 | $2,346-61.6% | $3,866-76.7% | $2,440-63.1% |
| Participant deferral / active EE | $1,226 | $3,586-65.8% | $4,937-75.2% | $3,608-66.0% |
| Admin fee / account holder | $914 | $5,518-83.4% | $9,704-90.6% | $5,124-82.2% |