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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 | $35,287 | $93,598-62.3% | $135,974-74.0% | $75,173-53.1% |
| Participation rate | 67.7% | 75.2%-7.5pp | 81.9%-14.2pp | 67.2%+0.5pp |
| Annual return | 14.74% | 30.89%-16.1pp | 68.30%-53.6pp | 160.72%-146.0pp |
| Employer contribution / active EE | $2,219 | $3,538-37.3% | $4,859-54.3% | $2,671-16.9% |
| Participant deferral / active EE | $2,377 | $6,405-62.9% | $7,760-69.4% | $4,126-42.4% |
| Admin fee / account holder | $962 | $6,978-86.2% | $10,767-91.1% | $5,651-83.0% |