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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 | $71,353+17.0% | $92,805-10.0% | $86,983-4.0% |
| Participation rate | 69.8% | 80.9%-11.0pp | 83.5%-13.7pp | 69.5%+0.3pp |
| Annual return | 13.81% | 44.68%-30.9pp | 31.59%-17.8pp | 25.83%-12.0pp |
| Employer contribution / active EE | $2,274 | $2,468-7.9% | $3,424-33.6% | $2,584-12.0% |
| Participant deferral / active EE | $2,391 | $6,966-65.7% | $8,448-71.7% | $4,194-43.0% |
| Admin fee / account holder | $1,319 | $6,099-78.4% | $10,911-87.9% | $7,856-83.2% |