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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 | $147,070 | $71,197+106.6% | $93,669+57.0% | $80,925+81.7% |
| Participation rate | 20.6% | 60.4%-39.8pp | 68.7%-48.1pp | 67.7%-47.1pp |
| Annual return | 7.75% | 11.27%-3.5pp | 133.59%-125.8pp | 35.65%-27.9pp |
| Employer contribution / active EE | $580 | $1,565-62.9% | $2,424-76.1% | $2,756-79.0% |
| Participant deferral / active EE | $1,107 | $4,036-72.6% | $4,416-74.9% | $4,299-74.2% |
| Admin fee / account holder | $3,855 | $6,959-44.6% | $8,291-53.5% | $6,940-44.5% |