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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 | $194,159 | $153,774+26.3% | $133,979+44.9% | $273,970-29.1% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.1%-37.1pp | 83.0%-33.0pp |
| Annual return | 1.44% | 36.51%-35.1pp | 29.30%-27.9pp | 41.46%-40.0pp |
| Employer contribution / active EE | $12,182 | $6,029+102.1% | $5,211+133.8% | $4,869+150.2% |
| Participant deferral / active EE | $1,442 | $6,958-79.3% | $6,282-77.0% | $5,287-72.7% |
| Admin fee / account holder | $1,833 | $11,765-84.4% | $9,324-80.3% | $10,132-81.9% |