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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 | $74,602 | $81,331-8.3% | $155,534-52.0% | $80,935-7.8% |
| Participation rate | 21.9% | 66.3%-44.4pp | 78.2%-56.3pp | 67.7%-45.8pp |
| Annual return | 5.34% | 33.37%-28.0pp | 64.92%-59.6pp | 35.66%-30.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $100 | $3,454-97.1% | $5,630-98.2% | $4,299-97.7% |
| Admin fee / account holder | $740 | $7,999-90.7% | $15,900-95.3% | $6,924-89.3% |