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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 | $137,342 | $91,559+50.0% | $133,978+2.5% | $79,856+72.0% |
| Participation rate | 15.6% | 73.3%-57.8pp | 79.8%-64.3pp | 69.6%-54.1pp |
| Annual return | 6.49% | 61.85%-55.4pp | 45.10%-38.6pp | 31.71%-25.2pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $912 | $3,734-75.6% | $5,047-81.9% | $3,741-75.6% |
| Admin fee / account holder | $2,503 | $6,321-60.4% | $8,930-72.0% | $5,306-52.8% |