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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 | $152,868 | $73,787+107.2% | $98,716+54.9% | $82,448+85.4% |
| Participation rate | 46.2% | 61.4%-15.3pp | 69.3%-23.1pp | 68.1%-21.9pp |
| Annual return | 9.41% | 18.57%-9.2pp | 31.81%-22.4pp | 41.64%-32.2pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $916 | $3,081-70.3% | $4,048-77.4% | $4,139-77.9% |
| Admin fee / account holder | $4,821 | $6,500-25.8% | $8,703-44.6% | $7,234-33.4% |