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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 | $83,498 | $77,358+7.9% | $102,184-18.3% | $87,485-4.6% |
| Participation rate | 69.8% | 78.7%-8.8pp | 82.6%-12.8pp | 68.9%+0.9pp |
| Annual return | 13.81% | 41.11%-27.3pp | 31.58%-17.8pp | 26.06%-12.2pp |
| Employer contribution / active EE | $2,274 | $2,562-11.2% | $3,594-36.7% | $2,596-12.4% |
| Participant deferral / active EE | $2,391 | $6,753-64.6% | $8,309-71.2% | $4,274-44.1% |
| Admin fee / account holder | $1,319 | $6,809-80.6% | $11,609-88.6% | $7,775-83.0% |