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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 | $85,636 | $98,776-13.3% | $149,745-42.8% | $79,856+7.2% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.6%-19.6pp |
| Annual return | 3.00% | 27.38%-24.4pp | 276.72%-273.7pp | 31.71%-28.7pp |
| Employer contribution / active EE | $936 | $3,217-70.9% | $4,646-79.9% | $2,471-62.1% |
| Participant deferral / active EE | $1,695 | $5,681-70.2% | $6,843-75.2% | $3,741-54.7% |
| Admin fee / account holder | $6,409 | $6,053+5.9% | $9,312-31.2% | $5,306+20.8% |