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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 | $167,012 | $87,037+91.9% | $106,201+57.3% | $80,874+106.5% |
| Participation rate | 30.1% | 70.4%-40.3pp | 75.3%-45.2pp | 67.6%-37.5pp |
| Annual return | 8.74% | 17.05%-8.3pp | 116.26%-107.5pp | 35.62%-26.9pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,170-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,572 | $3,986-60.6% | $5,012-68.6% | $4,297-63.4% |
| Admin fee / account holder | $15,676 | $8,434+85.9% | $11,039+42.0% | $6,935+126.0% |