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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 | $120,285 | $78,976+52.3% | $100,383+19.8% | $74,546+61.4% |
| Participation rate | 27.7% | 79.5%-51.8pp | 81.5%-53.8pp | 67.2%-39.5pp |
| Annual return | 12.87% | 20.62%-7.7pp | 49.26%-36.4pp | 1366.03%-1353.2pp |
| Employer contribution / active EE | $1,090 | $3,019-63.9% | $3,944-72.4% | $2,624-58.5% |
| Participant deferral / active EE | $1,726 | $7,758-77.7% | $8,086-78.6% | $4,347-60.3% |
| Admin fee / account holder | $1,097 | $1,330-17.6% | $7,900-86.1% | $1,944-43.6% |