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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 | $81,331+1.3% | $155,534-47.0% | $80,935+1.8% |
| Participation rate | 11.0% | 66.3%-55.3pp | 78.2%-67.2pp | 67.7%-56.7pp |
| Annual return | 9.34% | 33.37%-24.0pp | 64.92%-55.6pp | 35.66%-26.3pp |
| Employer contribution / active EE | $425 | $3,105-86.3% | $4,675-90.9% | $2,757-84.6% |
| Participant deferral / active EE | $790 | $3,454-77.1% | $5,630-86.0% | $4,299-81.6% |
| Admin fee / account holder | $2,313 | $7,999-71.1% | $15,900-85.5% | $6,924-66.6% |