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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 | $97,296 | $81,446+19.5% | $103,374-5.9% | $80,874+20.3% |
| Participation rate | 48.6% | 66.9%-18.2pp | 74.5%-25.9pp | 67.6%-19.0pp |
| Annual return | 7.02% | 25.57%-18.5pp | 24.89%-17.9pp | 35.62%-28.6pp |
| Employer contribution / active EE | $2,929 | $3,107-5.7% | $3,869-24.3% | $2,756+6.3% |
| Participant deferral / active EE | $1,305 | $3,870-66.3% | $5,058-74.2% | $4,297-69.6% |
| Admin fee / account holder | $14,515 | $6,715+116.2% | $8,394+72.9% | $6,935+109.3% |