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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 | $76,040 | $89,367-14.9% | $141,191-46.1% | $72,975+4.2% |
| Participation rate | 44.0% | 75.1%-31.1pp | 82.5%-38.5pp | 69.5%-25.5pp |
| Annual return | 16.25% | 111.87%-95.6pp | 71.41%-55.2pp | 81.01%-64.8pp |
| Employer contribution / active EE | $1,093 | $3,115-64.9% | $4,736-76.9% | $2,440-55.2% |
| Participant deferral / active EE | $2,006 | $5,419-63.0% | $6,710-70.1% | $3,608-44.4% |
| Admin fee / account holder | $7,989 | $5,957+34.1% | $10,264-22.2% | $5,124+55.9% |