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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 | $63,083 | $81,446-22.5% | $103,374-39.0% | $80,874-22.0% |
| Participation rate | 67.7% | 66.9%+0.9pp | 74.5%-6.8pp | 67.6%+0.1pp |
| Annual return | 9.86% | 25.57%-15.7pp | 24.89%-15.0pp | 35.62%-25.8pp |
| Employer contribution / active EE | $5,227 | $3,107+68.2% | $3,869+35.1% | $2,756+89.7% |
| Participant deferral / active EE | $998 | $3,870-74.2% | $5,058-80.3% | $4,297-76.8% |
| Admin fee / account holder | $13,351 | $6,715+98.8% | $8,394+59.1% | $6,935+92.5% |