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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 | $69,478 | $81,504-14.8% | $102,437-32.2% | $80,959-14.2% |
| Participation rate | 23.3% | 66.9%-43.5pp | 74.5%-51.2pp | 67.7%-44.3pp |
| Annual return | 9.67% | 25.60%-15.9pp | 24.95%-15.3pp | 35.67%-26.0pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $666 | $3,871-82.8% | $5,060-86.8% | $4,300-84.5% |
| Admin fee / account holder | $13,768 | $6,719+104.9% | $8,388+64.1% | $6,925+98.8% |