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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 | $162,168 | $162,967-0.5% | $135,792+19.4% | $138,895+16.8% |
| Participation rate | 14.3% | 78.3%-64.0pp | 72.6%-58.3pp | 79.9%-65.6pp |
| Annual return | 8.58% | 30.08%-21.5pp | 25.96%-17.4pp | 145.39%-136.8pp |
| Employer contribution / active EE | $0 | $4,211-100.0% | $3,496-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $986 | $5,640-82.5% | $4,759-79.3% | $6,396-84.6% |
| Admin fee / account holder | $73,233 | $15,306+378.5% | $12,266+497.1% | $12,562+483.0% |