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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 | $81,487+19.4% | $102,412-5.0% | $80,935+20.2% |
| Participation rate | 48.6% | 66.8%-18.2pp | 74.5%-25.9pp | 67.7%-19.0pp |
| Annual return | 7.02% | 25.60%-18.6pp | 24.94%-17.9pp | 35.66%-28.6pp |
| Employer contribution / active EE | $2,929 | $3,103-5.6% | $3,870-24.3% | $2,757+6.3% |
| Participant deferral / active EE | $1,305 | $3,871-66.3% | $5,060-74.2% | $4,299-69.7% |
| Admin fee / account holder | $14,515 | $6,717+116.1% | $8,388+73.0% | $6,924+109.6% |