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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 | $81,384 | $86,949-6.4% | $102,460-20.6% | $80,959+0.5% |
| Participation rate | 31.5% | 72.4%-40.9pp | 76.5%-45.0pp | 67.7%-36.2pp |
| Annual return | 9.15% | 18.89%-9.7pp | 29.47%-20.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $3,853 | $2,370+62.6% | $3,025+27.4% | $2,757+39.8% |
| Participant deferral / active EE | $598 | $4,121-85.5% | $5,056-88.2% | $4,300-86.1% |
| Admin fee / account holder | $524 | $8,048-93.5% | $9,460-94.5% | $6,925-92.4% |