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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 | $82,126 | $77,472+6.0% | $100,415-18.2% | $80,959+1.4% |
| Participation rate | 57.5% | 76.9%-19.4pp | 81.5%-24.0pp | 67.7%-10.2pp |
| Annual return | 11.68% | 37.26%-25.6pp | 49.47%-37.8pp | 35.67%-24.0pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,973 | $6,818-71.1% | $8,091-75.6% | $4,300-54.1% |
| Admin fee / account holder | $878 | $5,885-85.1% | $7,906-88.9% | $6,925-87.3% |