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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 | $124,082 | $80,332+54.5% | $107,187+15.8% | $64,097+93.6% |
| Participation rate | 20.6% | 54.4%-33.8pp | 75.0%-54.4pp | 55.2%-34.6pp |
| Annual return | 11.80% | 24.26%-12.5pp | 204.55%-192.7pp | 34.64%-22.8pp |
| Employer contribution / active EE | $0 | $2,501-100.0% | $3,782-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,070 | $3,109-65.6% | $5,096-79.0% | $3,080-65.3% |
| Admin fee / account holder | $561 | $4,314-87.0% | $9,162-93.9% | $3,454-83.8% |