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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 | $99,843 | $98,760+1.1% | $149,715-33.3% | $79,858+25.0% |
| Participation rate | 21.1% | 75.8%-54.7pp | 82.5%-61.4pp | 69.6%-48.6pp |
| Annual return | 7.06% | 27.43%-20.4pp | 276.66%-269.6pp | 31.72%-24.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,451 | $5,681-74.5% | $6,842-78.8% | $3,740-61.2% |
| Admin fee / account holder | $8,635 | $6,053+42.6% | $9,310-7.3% | $5,306+62.7% |