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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 | $88,702 | $71,197+24.6% | $93,669-5.3% | $80,925+9.6% |
| Participation rate | 18.2% | 60.4%-42.2pp | 68.7%-50.5pp | 67.7%-49.5pp |
| Annual return | 8.51% | 11.27%-2.8pp | 133.59%-125.1pp | 35.65%-27.1pp |
| Employer contribution / active EE | $468 | $1,565-70.1% | $2,424-80.7% | $2,756-83.0% |
| Participant deferral / active EE | $1,206 | $4,036-70.1% | $4,416-72.7% | $4,299-72.0% |
| Admin fee / account holder | $4,180 | $6,959-39.9% | $8,291-49.6% | $6,940-39.8% |