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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 | $88,242 | $71,215+23.9% | $93,696-5.8% | $80,935+9.0% |
| Participation rate | 31.6% | 60.4%-28.8pp | 68.7%-37.1pp | 67.7%-36.1pp |
| Annual return | 6.43% | 11.27%-4.8pp | 133.74%-127.3pp | 35.66%-29.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $920 | $4,037-77.2% | $4,417-79.2% | $4,299-78.6% |
| Admin fee / account holder | $8,799 | $6,958+26.5% | $8,287+6.2% | $6,924+27.1% |