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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 | $82,415 | $81,262+1.4% | $155,602-47.0% | $80,911+1.9% |
| Participation rate | 11.0% | 66.2%-55.3pp | 78.2%-67.2pp | 67.6%-56.7pp |
| Annual return | 9.34% | 33.34%-24.0pp | 64.81%-55.5pp | 35.63%-26.3pp |
| Employer contribution / active EE | $425 | $3,102-86.3% | $4,675-90.9% | $2,756-84.6% |
| Participant deferral / active EE | $790 | $3,451-77.1% | $5,629-86.0% | $4,297-81.6% |
| Admin fee / account holder | $2,313 | $7,992-71.1% | $15,923-85.5% | $6,935-66.6% |