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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 | $98,545 | $87,878+12.1% | $97,411+1.2% | $82,637+19.2% |
| Participation rate | 31.3% | 75.6%-44.3pp | 80.4%-49.1pp | 68.1%-36.8pp |
| Annual return | 12.76% | 54.63%-41.9pp | 34.72%-22.0pp | 53.51%-40.7pp |
| Employer contribution / active EE | $0 | $3,800-100.0% | $4,210-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $973 | $5,525-82.4% | $5,886-83.5% | $4,126-76.4% |
| Admin fee / account holder | $1,660 | $6,743-75.4% | $7,145-76.8% | $7,339-77.4% |