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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 | $120,675 | $66,402+81.7% | $109,907+9.8% | $85,847+40.6% |
| Participation rate | 64.7% | 63.9%+0.8pp | 74.2%-9.5pp | 69.3%-4.6pp |
| Annual return | 8.42% | 19.59%-11.2pp | 29.46%-21.0pp | 318.61%-310.2pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,844-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $929 | $2,842-67.3% | $4,047-77.1% | $3,952-76.5% |
| Admin fee / account holder | $3,792 | $4,557-16.8% | $6,069-37.5% | $6,261-39.4% |