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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 | $31,180 | $80,748-61.4% | $102,383-69.5% | $74,429-58.1% |
| Participation rate | 69.6% | 65.7%+3.9pp | 74.5%-4.9pp | 67.2%+2.4pp |
| Annual return | 9.29% | 27.57%-18.3pp | 24.94%-15.6pp | 1368.38%-1359.1pp |
| Employer contribution / active EE | $2,876 | $3,159-9.0% | $3,870-25.7% | $2,625+9.6% |
| Participant deferral / active EE | $1,210 | $3,861-68.7% | $5,060-76.1% | $4,348-72.2% |
| Admin fee / account holder | $456 | $2,371-80.8% | $8,391-94.6% | $1,944-76.5% |