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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 | $105,547 | $78,670+34.2% | $109,173-3.3% | $85,847+22.9% |
| Participation rate | 55.8% | 68.3%-12.5pp | 75.9%-20.1pp | 69.3%-13.5pp |
| Annual return | 9.31% | 25.09%-15.8pp | 25.75%-16.4pp | 318.61%-309.3pp |
| Employer contribution / active EE | $4,979 | $2,734+82.1% | $3,723+33.8% | $2,565+94.1% |
| Participant deferral / active EE | $193 | $3,467-94.4% | $4,654-95.9% | $3,952-95.1% |
| Admin fee / account holder | $1,962 | $5,469-64.1% | $6,755-71.0% | $6,261-68.7% |