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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 | $85,370 | $75,183+13.5% | $123,894-31.1% | $55,167+54.7% |
| Participation rate | 39.5% | 72.8%-33.3pp | 81.4%-41.9pp | 69.0%-29.5pp |
| Annual return | 1.99% | 19.01%-17.0pp | 47.52%-45.5pp | 169.23%-167.2pp |
| Employer contribution / active EE | $803 | $2,823-71.5% | $4,617-82.6% | $1,963-59.1% |
| Participant deferral / active EE | $1,734 | $5,084-65.9% | $5,984-71.0% | $3,054-43.2% |
| Admin fee / account holder | $4,651 | $663+602.0% | $8,357-44.3% | $504+823.0% |