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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 | $87,118 | $117,846-26.1% | $102,434-15.0% | $145,884-40.3% |
| Participation rate | 15.0% | 78.6%-63.6pp | 76.5%-61.5pp | 80.3%-65.3pp |
| Annual return | 4.89% | 31.90%-27.0pp | 29.46%-24.6pp | 551.85%-547.0pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,568 | $5,733-72.6% | $5,055-69.0% | $6,690-76.6% |
| Admin fee / account holder | $12,271 | $13,356-8.1% | $9,462+29.7% | $13,392-8.4% |