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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 | $220,617 | $65,364+237.5% | $92,909+137.5% | $72,975+202.3% |
| Participation rate | 14.5% | 68.3%-53.8pp | 76.0%-61.5pp | 69.5%-55.0pp |
| Annual return | 13.54% | 42.11%-28.6pp | 109.44%-95.9pp | 81.01%-67.5pp |
| Employer contribution / active EE | $813 | $2,594-68.6% | $3,653-77.7% | $2,440-66.7% |
| Participant deferral / active EE | $1,154 | $3,128-63.1% | $4,238-72.8% | $3,608-68.0% |
| Admin fee / account holder | $2,059 | $4,251-51.6% | $5,795-64.5% | $5,124-59.8% |