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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 | $63,783 | $45,087+41.5% | $69,483-8.2% | $72,976-12.6% |
| Participation rate | 27.6% | 68.5%-40.9pp | 74.6%-47.0pp | 69.5%-41.9pp |
| Annual return | 4.02% | 22.67%-18.7pp | 28.99%-25.0pp | 81.02%-77.0pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,780-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $568 | $2,603-78.2% | $3,537-84.0% | $3,608-84.3% |
| Admin fee / account holder | $5,309 | $3,057+73.7% | $3,841+38.2% | $5,124+3.6% |