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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 | $65,246+109.0% | $98,716+38.1% | $67,986+100.6% |
| Participation rate | 5.3% | 51.4%-46.1pp | 69.3%-64.0pp | 57.2%-51.9pp |
| Annual return | 11.83% | 20.58%-8.8pp | 31.81%-20.0pp | 31.67%-19.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $366 | $2,594-85.9% | $4,048-91.0% | $3,358-89.1% |
| Admin fee / account holder | $6,685 | $4,561+46.6% | $8,703-23.2% | $3,203+108.7% |