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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 | $151,276 | $55,889+170.7% | $76,119+98.7% | $80,935+86.9% |
| Participation rate | 19.5% | 62.1%-42.6pp | 69.1%-49.6pp | 67.7%-48.1pp |
| Annual return | 8.02% | 20.58%-12.6pp | 361.25%-353.2pp | 35.66%-27.6pp |
| Employer contribution / active EE | $0 | $1,866-100.0% | $2,693-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $540 | $3,051-82.3% | $4,259-87.3% | $4,299-87.4% |
| Admin fee / account holder | $1,131 | $5,241-78.4% | $6,421-82.4% | $6,924-83.7% |