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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 | $106,749-58.8% | $145,433-69.8% | $82,448-46.7% |
| Participation rate | 69.2% | 75.6%-6.4pp | 82.1%-12.9pp | 68.1%+1.2pp |
| Annual return | 9.53% | 27.59%-18.1pp | 66.58%-57.0pp | 41.64%-32.1pp |
| Employer contribution / active EE | $1,330 | $3,444-61.4% | $4,554-70.8% | $2,551-47.9% |
| Participant deferral / active EE | $2,367 | $6,519-63.7% | $7,897-70.0% | $4,139-42.8% |
| Admin fee / account holder | $1,449 | $8,390-82.7% | $13,129-89.0% | $7,234-80.0% |