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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 | $128,423 | $61,660+108.3% | $80,022+60.5% | $64,173+100.1% |
| Participation rate | 51.5% | 71.7%-20.2pp | 75.8%-24.3pp | 69.6%-18.1pp |
| Annual return | -13.47% | -0.33%-13.1pp | 11.22%-24.7pp | 7.63%-21.1pp |
| Employer contribution / active EE | $1,366 | $1,810-24.6% | $2,468-44.7% | $2,381-42.6% |
| Participant deferral / active EE | $569 | $2,968-80.8% | $3,686-84.6% | $3,470-83.6% |
| Admin fee / account holder | $528 | $5,417-90.2% | $6,521-91.9% | $4,887-89.2% |