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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 | $107,334 | $85,515+25.5% | $112,040-4.2% | $67,986+57.9% |
| Participation rate | 21.6% | 68.2%-46.6pp | 76.5%-54.9pp | 57.2%-35.6pp |
| Annual return | 11.93% | 29.68%-17.7pp | 24.52%-12.6pp | 31.67%-19.7pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $670 | $4,014-83.3% | $5,098-86.9% | $3,358-80.0% |
| Admin fee / account holder | $1,063 | $3,774-71.8% | $12,098-91.2% | $3,203-66.8% |