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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 | $127,210 | $114,712+10.9% | $173,730-26.8% | $87,485+45.4% |
| Participation rate | 36.8% | 73.0%-36.2pp | 79.6%-42.7pp | 68.9%-32.1pp |
| Annual return | 9.97% | 20.18%-10.2pp | 19.96%-10.0pp | 26.06%-16.1pp |
| Employer contribution / active EE | $1,103 | $2,904-62.0% | $4,577-75.9% | $2,596-57.5% |
| Participant deferral / active EE | $1,671 | $4,642-64.0% | $6,326-73.6% | $4,274-60.9% |
| Admin fee / account holder | $4,263 | $10,210-58.2% | $17,523-75.7% | $7,775-45.2% |