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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 | $123,513 | $93,617+31.9% | $135,982-9.2% | $75,177+64.3% |
| Participation rate | 37.1% | 75.2%-38.1pp | 81.9%-44.8pp | 67.2%-30.1pp |
| Annual return | 13.06% | 30.89%-17.8pp | 68.32%-55.3pp | 160.75%-147.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,700 | $6,406-73.5% | $7,760-78.1% | $4,126-58.8% |
| Admin fee / account holder | $1,880 | $6,980-73.1% | $10,767-82.5% | $5,651-66.7% |