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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 | $41,972 | $81,331-48.4% | $155,534-73.0% | $80,935-48.1% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 9.51% | 33.37%-23.9pp | 64.92%-55.4pp | 35.66%-26.1pp |
| Employer contribution / active EE | $4,355 | $3,105+40.3% | $4,675-6.8% | $2,757+58.0% |
| Participant deferral / active EE | $243 | $3,454-93.0% | $5,630-95.7% | $4,299-94.3% |
| Admin fee / account holder | $692 | $7,999-91.3% | $15,900-95.6% | $6,924-90.0% |