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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 | $103,722 | $102,422+1.3% | $147,117-29.5% | $80,959+28.1% |
| Participation rate | 39.5% | 75.9%-36.3pp | 82.2%-42.6pp | 67.7%-28.1pp |
| Annual return | 11.39% | 135.16%-123.8pp | 420.54%-409.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,072 | $3,717-71.2% | $4,932-78.3% | $2,757-61.1% |
| Participant deferral / active EE | $2,179 | $6,652-67.2% | $8,065-73.0% | $4,300-49.3% |
| Admin fee / account holder | $9,986 | $7,953+25.6% | $12,993-23.1% | $6,925+44.2% |