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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 | $141,809 | $95,453+48.6% | $112,040+26.6% | $82,448+72.0% |
| Participation rate | 38.6% | 72.8%-34.1pp | 76.5%-37.9pp | 68.1%-29.4pp |
| Annual return | 10.67% | 23.92%-13.3pp | 24.52%-13.9pp | 41.64%-31.0pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,398 | $4,224-66.9% | $5,098-72.6% | $4,139-66.2% |
| Admin fee / account holder | $9,604 | $9,013+6.6% | $12,098-20.6% | $7,234+32.8% |