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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 | $164,916 | $81,233+103.0% | $155,567+6.0% | $80,874+103.9% |
| Participation rate | 17.2% | 66.2%-49.0pp | 78.2%-61.0pp | 67.6%-50.4pp |
| Annual return | 9.75% | 33.33%-23.6pp | 64.74%-55.0pp | 35.62%-25.9pp |
| Employer contribution / active EE | $444 | $3,101-85.7% | $4,674-90.5% | $2,756-83.9% |
| Participant deferral / active EE | $669 | $3,452-80.6% | $5,628-88.1% | $4,297-84.4% |
| Admin fee / account holder | $4,711 | $7,998-41.1% | $15,916-70.4% | $6,935-32.1% |