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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 | $103,223 | $85,515+20.7% | $112,040-7.9% | $67,986+51.8% |
| Participation rate | 11.2% | 68.2%-57.0pp | 76.5%-65.3pp | 57.2%-46.0pp |
| Annual return | 9.66% | 29.68%-20.0pp | 24.52%-14.9pp | 31.67%-22.0pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $546 | $4,014-86.4% | $5,098-89.3% | $3,358-83.7% |
| Admin fee / account holder | $6,397 | $3,774+69.5% | $12,098-47.1% | $3,203+99.7% |