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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 | $101,422 | $71,230+42.4% | $93,727+8.2% | $80,959+25.3% |
| Participation rate | 69.9% | 60.4%+9.5pp | 68.7%+1.2pp | 67.7%+2.2pp |
| Annual return | 9.02% | 11.26%-2.2pp | 133.83%-124.8pp | 35.67%-26.6pp |
| Employer contribution / active EE | $488 | $1,565-68.8% | $2,421-79.9% | $2,757-82.3% |
| Participant deferral / active EE | $613 | $4,037-84.8% | $4,417-86.1% | $4,300-85.7% |
| Admin fee / account holder | $787 | $6,961-88.7% | $8,292-90.5% | $6,925-88.6% |