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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 | $199,211 | $106,524+87.0% | $152,301+30.8% | $87,485+127.7% |
| Participation rate | 7.5% | 75.8%-68.3pp | 82.4%-74.9pp | 68.9%-61.4pp |
| Annual return | -4.29% | 26.89%-31.2pp | 80.50%-84.8pp | 26.06%-30.3pp |
| Employer contribution / active EE | $599 | $3,371-82.2% | $4,624-87.0% | $2,596-76.9% |
| Participant deferral / active EE | $824 | $6,525-87.4% | $8,004-89.7% | $4,274-80.7% |
| Admin fee / account holder | $15,093 | $8,287+82.1% | $14,398+4.8% | $7,775+94.1% |