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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 | $181,497 | $86,919+108.8% | $102,457+77.1% | $80,911+124.3% |
| Participation rate | 59.3% | 72.4%-13.1pp | 76.5%-17.2pp | 67.6%-8.4pp |
| Annual return | 3.52% | 18.90%-15.4pp | 29.41%-25.9pp | 35.63%-32.1pp |
| Employer contribution / active EE | $1,296 | $2,368-45.3% | $3,022-57.1% | $2,756-53.0% |
| Participant deferral / active EE | $193 | $4,119-95.3% | $5,054-96.2% | $4,297-95.5% |
| Admin fee / account holder | $6,046 | $8,049-24.9% | $9,451-36.0% | $6,935-12.8% |