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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 | $164,517 | $91,537+79.7% | $130,045+26.5% | $75,173+118.9% |
| Participation rate | 14.3% | 71.5%-57.2pp | 78.5%-64.2pp | 67.2%-52.9pp |
| Annual return | 12.34% | -631.55%+643.9pp | -137.30%+149.6pp | 160.72%-148.4pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,017 | $4,343-76.6% | $5,820-82.5% | $4,126-75.4% |
| Admin fee / account holder | $7,711 | $6,780+13.7% | $10,600-27.3% | $5,651+36.5% |