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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 | $117,934 | $77,492+52.2% | $100,398+17.5% | $80,911+45.8% |
| Participation rate | 43.6% | 76.9%-33.3pp | 81.5%-37.9pp | 67.6%-24.0pp |
| Annual return | 10.16% | 37.23%-27.1pp | 49.32%-39.2pp | 35.63%-25.5pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,946-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $667 | $6,817-90.2% | $8,084-91.8% | $4,297-84.5% |
| Admin fee / account holder | $4,755 | $5,892-19.3% | $7,893-39.8% | $6,935-31.4% |