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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 | $160,285 | $95,453+67.9% | $112,040+43.1% | $82,448+94.4% |
| Participation rate | 34.6% | 72.8%-38.1pp | 76.5%-41.9pp | 68.1%-33.5pp |
| Annual return | 9.17% | 23.92%-14.8pp | 24.52%-15.4pp | 41.64%-32.5pp |
| Employer contribution / active EE | $855 | $2,318-63.1% | $2,954-71.1% | $2,551-66.5% |
| Participant deferral / active EE | $1,087 | $4,224-74.3% | $5,098-78.7% | $4,139-73.7% |
| Admin fee / account holder | $1,066 | $9,013-88.2% | $12,098-91.2% | $7,234-85.3% |