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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 | $34,856 | $93,617-62.8% | $135,982-74.4% | $75,177-53.6% |
| Participation rate | 67.4% | 75.2%-7.8pp | 81.9%-14.5pp | 67.2%+0.2pp |
| Annual return | 13.54% | 30.89%-17.3pp | 68.32%-54.8pp | 160.75%-147.2pp |
| Employer contribution / active EE | $1,136 | $3,538-67.9% | $4,859-76.6% | $2,671-57.5% |
| Participant deferral / active EE | $2,477 | $6,406-61.3% | $7,760-68.1% | $4,126-40.0% |
| Admin fee / account holder | $5,060 | $6,980-27.5% | $10,767-53.0% | $5,651-10.5% |