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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 | $136,360 | $63,456+114.9% | $100,712+35.4% | $64,097+112.7% |
| Participation rate | 5.3% | 49.7%-44.4pp | 69.3%-64.0pp | 55.2%-49.9pp |
| Annual return | 11.83% | 19.65%-7.8pp | 33.27%-21.4pp | 34.64%-22.8pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $366 | $2,463-85.1% | $4,085-91.0% | $3,080-88.1% |
| Admin fee / account holder | $6,685 | $4,808+39.1% | $9,256-27.8% | $3,454+93.5% |