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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 | $139,632 | $118,496+17.8% | $98,461+41.8% | $139,466+0.1% |
| Participation rate | 58.8% | 77.5%-18.6pp | 75.2%-16.3pp | 80.3%-21.5pp |
| Annual return | 8.00% | 18.96%-11.0pp | 21.17%-13.2pp | 373.66%-365.7pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $904 | $5,393-83.2% | $4,738-80.9% | $6,712-86.5% |
| Admin fee / account holder | $4,990 | $14,056-64.5% | $8,961-44.3% | $11,409-56.3% |