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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 | $86,938-13.4% | $102,423-26.5% | $80,925-6.9% |
| Participation rate | 63.6% | 72.4%-8.7pp | 76.5%-12.9pp | 67.7%-4.0pp |
| Annual return | 8.02% | 18.89%-10.9pp | 29.42%-21.4pp | 35.65%-27.6pp |
| Employer contribution / active EE | $1,420 | $2,369-40.1% | $3,023-53.0% | $2,756-48.5% |
| Participant deferral / active EE | $1,602 | $4,120-61.1% | $5,054-68.3% | $4,299-62.7% |
| Admin fee / account holder | $11,235 | $8,053+39.5% | $9,455+18.8% | $6,940+61.9% |