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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 | $228,192 | $58,627+289.2% | $76,735+197.4% | $82,448+176.8% |
| Participation rate | 22.9% | 63.2%-40.3pp | 69.5%-46.6pp | 68.1%-45.2pp |
| Annual return | 12.90% | 39.10%-26.2pp | 29.77%-16.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $744 | $1,729-56.9% | $2,454-69.7% | $2,551-70.8% |
| Participant deferral / active EE | $940 | $3,134-70.0% | $4,088-77.0% | $4,139-77.3% |
| Admin fee / account holder | $5,585 | $5,323+4.9% | $7,189-22.3% | $7,234-22.8% |