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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 | $74,535+105.1% | $100,712+51.8% | $82,637+85.0% |
| Participation rate | 46.2% | 61.2%-15.0pp | 69.3%-23.1pp | 68.1%-21.9pp |
| Annual return | 9.41% | 18.92%-9.5pp | 33.27%-23.9pp | 53.51%-44.1pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $916 | $3,074-70.2% | $4,085-77.6% | $4,126-77.8% |
| Admin fee / account holder | $4,821 | $6,576-26.7% | $9,256-47.9% | $7,339-34.3% |