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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 | $165,914 | $67,894+144.4% | $89,340+85.7% | $82,448+101.2% |
| Participation rate | 3.1% | 64.0%-60.9pp | 69.6%-66.4pp | 68.1%-64.9pp |
| Annual return | 6.34% | 19.21%-12.9pp | 20.57%-14.2pp | 41.64%-35.3pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $438 | $3,072-85.8% | $3,823-88.6% | $4,139-89.4% |
| Admin fee / account holder | $7,998 | $5,723+39.8% | $6,704+19.3% | $7,234+10.6% |