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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 | $163,335 | $97,648+67.3% | $121,663+34.3% | $87,485+86.7% |
| Participation rate | 17.1% | 70.5%-53.3pp | 74.5%-57.3pp | 68.9%-51.8pp |
| Annual return | 8.48% | 18.03%-9.5pp | 147.54%-139.1pp | 26.06%-17.6pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $656 | $3,923-83.3% | $4,887-86.6% | $4,274-84.6% |
| Admin fee / account holder | $1,722 | $11,100-84.5% | $14,289-88.0% | $7,775-77.9% |