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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 | $73,738 | $52,580+40.2% | $71,671+2.9% | $70,126+5.2% |
| Participation rate | 18.6% | 60.9%-42.3pp | 68.7%-50.1pp | 69.5%-50.9pp |
| Annual return | 9.91% | 20.25%-10.3pp | 20.65%-10.7pp | 73.15%-63.2pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $568 | $2,386-76.2% | $3,438-83.5% | $3,332-83.0% |
| Admin fee / account holder | $956 | $3,653-73.8% | $5,558-82.8% | $4,645-79.4% |