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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 | $103,845 | $101,795+2.0% | $165,100-37.1% | $80,959+28.3% |
| Participation rate | 11.5% | 71.8%-60.3pp | 78.6%-67.1pp | 67.7%-56.1pp |
| Annual return | 10.49% | 16.73%-6.2pp | 70.21%-59.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $143 | $4,476-96.8% | $6,035-97.6% | $4,300-96.7% |
| Admin fee / account holder | $611 | $8,221-92.6% | $12,696-95.2% | $6,925-91.2% |