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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 | $94,044 | $71,215+32.1% | $93,696+0.4% | $80,935+16.2% |
| Participation rate | 27.5% | 60.4%-32.9pp | 68.7%-41.3pp | 67.7%-40.2pp |
| Annual return | 6.92% | 11.27%-4.3pp | 133.74%-126.8pp | 35.66%-28.7pp |
| Employer contribution / active EE | $413 | $1,565-73.6% | $2,422-82.9% | $2,757-85.0% |
| Participant deferral / active EE | $901 | $4,037-77.7% | $4,417-79.6% | $4,299-79.1% |
| Admin fee / account holder | $6,934 | $6,958-0.3% | $8,287-16.3% | $6,924+0.1% |