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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 | $95,878 | $95,453+0.4% | $112,040-14.4% | $82,448+16.3% |
| Participation rate | 69.0% | 72.8%-3.8pp | 76.5%-7.5pp | 68.1%+0.9pp |
| Annual return | 11.74% | 23.92%-12.2pp | 24.52%-12.8pp | 41.64%-29.9pp |
| Employer contribution / active EE | $4,422 | $2,318+90.8% | $2,954+49.7% | $2,551+73.4% |
| Participant deferral / active EE | $1,373 | $4,224-67.5% | $5,098-73.1% | $4,139-66.8% |
| Admin fee / account holder | $7,105 | $9,013-21.2% | $12,098-41.3% | $7,234-1.8% |