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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 | $159,355 | $156,398+1.9% | $147,318+8.2% | $138,895+14.7% |
| Participation rate | 34.8% | 83.8%-49.0pp | 82.1%-47.3pp | 79.9%-45.1pp |
| Annual return | 11.61% | 78.75%-67.1pp | 70.43%-58.8pp | 145.39%-133.8pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,080 | $8,237-86.9% | $7,906-86.3% | $6,396-83.1% |
| Admin fee / account holder | $11,763 | $14,976-21.5% | $13,708-14.2% | $12,562-6.4% |