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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 | $75,307 | $86,949-13.4% | $102,460-26.5% | $80,959-7.0% |
| Participation rate | 63.6% | 72.4%-8.7pp | 76.5%-12.9pp | 67.7%-4.0pp |
| Annual return | 8.02% | 18.89%-10.9pp | 29.47%-21.4pp | 35.67%-27.6pp |
| Employer contribution / active EE | $1,420 | $2,370-40.1% | $3,025-53.1% | $2,757-48.5% |
| Participant deferral / active EE | $1,602 | $4,121-61.1% | $5,056-68.3% | $4,300-62.7% |
| Admin fee / account holder | $11,235 | $8,048+39.6% | $9,460+18.8% | $6,925+62.2% |