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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 | $43,941 | $106,864-58.9% | $147,318-70.2% | $82,637-46.8% |
| Participation rate | 69.2% | 75.5%-6.3pp | 82.1%-12.8pp | 68.1%+1.2pp |
| Annual return | 9.53% | 27.49%-18.0pp | 70.43%-60.9pp | 53.51%-44.0pp |
| Employer contribution / active EE | $1,330 | $3,417-61.1% | $4,593-71.0% | $2,552-47.9% |
| Participant deferral / active EE | $2,367 | $6,496-63.6% | $7,906-70.1% | $4,126-42.6% |
| Admin fee / account holder | $1,449 | $8,415-82.8% | $13,708-89.4% | $7,339-80.3% |