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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 | $89,873 | $181,062-50.4% | $158,223-43.2% | $155,188-42.1% |
| Participation rate | 57.9% | 82.7%-24.8pp | 79.2%-21.3pp | 80.8%-22.9pp |
| Annual return | 8.23% | 57.39%-49.2pp | 52.09%-43.9pp | 148.84%-140.6pp |
| Employer contribution / active EE | $6,178 | $4,565+35.3% | $4,109+50.4% | $4,248+45.4% |
| Participant deferral / active EE | $1,477 | $6,134-75.9% | $5,467-73.0% | $6,531-77.4% |
| Admin fee / account holder | $1,648 | $18,825-91.2% | $16,047-89.7% | $14,480-88.6% |