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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 | $163,335 | $109,620+49.0% | $148,496+10.0% | $94,015+73.7% |
| Participation rate | 17.1% | 71.3%-54.1pp | 76.0%-58.9pp | 70.8%-53.7pp |
| Annual return | 8.48% | 17.54%-9.1pp | 12.33%-3.8pp | 17.84%-9.4pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $656 | $3,831-82.9% | $4,808-86.4% | $4,249-84.6% |
| Admin fee / account holder | $1,722 | $10,050-82.9% | $19,547-91.2% | $8,951-80.8% |