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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 | $91,423 | $106,524-14.2% | $152,301-40.0% | $87,485+4.5% |
| Participation rate | 24.0% | 75.8%-51.8pp | 82.4%-58.4pp | 68.9%-44.9pp |
| Annual return | 13.97% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,475 | $3,371-56.2% | $4,624-68.1% | $2,596-43.2% |
| Participant deferral / active EE | $2,352 | $6,525-63.9% | $8,004-70.6% | $4,274-45.0% |
| Admin fee / account holder | $381 | $8,287-95.4% | $14,398-97.4% | $7,775-95.1% |