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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 | $117,862 | $132,099-10.8% | $115,599+2.0% | $138,895-15.1% |
| Participation rate | 45.8% | 77.9%-32.0pp | 74.3%-28.4pp | 79.9%-34.1pp |
| Annual return | 9.05% | 176.76%-167.7pp | 111.10%-102.0pp | 145.39%-136.3pp |
| Employer contribution / active EE | $729 | $3,416-78.7% | $2,955-75.3% | $4,194-82.6% |
| Participant deferral / active EE | $1,458 | $5,617-74.0% | $4,889-70.2% | $6,396-77.2% |
| Admin fee / account holder | $4,982 | $15,650-68.2% | $12,841-61.2% | $12,562-60.3% |