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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 | $187,417 | $112,729+66.3% | $98,716+89.9% | $137,256+36.5% |
| Participation rate | 25.0% | 74.2%-49.2pp | 69.3%-44.3pp | 80.0%-55.0pp |
| Annual return | 9.97% | 38.48%-28.5pp | 31.81%-21.8pp | 220.34%-210.4pp |
| Employer contribution / active EE | $3,574 | $2,725+31.1% | $2,279+56.9% | $4,156-14.0% |
| Participant deferral / active EE | $1,054 | $4,640-77.3% | $4,048-74.0% | $6,407-83.6% |
| Admin fee / account holder | $446 | $10,129-95.6% | $8,703-94.9% | $12,270-96.4% |