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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 | $110,808 | $81,276+36.3% | $155,574-28.8% | $80,925+36.9% |
| Participation rate | 17.5% | 66.2%-48.7pp | 78.2%-60.7pp | 67.7%-50.2pp |
| Annual return | 8.95% | 33.36%-24.4pp | 64.87%-55.9pp | 35.65%-26.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $851 | $3,453-75.3% | $5,629-84.9% | $4,299-80.2% |
| Admin fee / account holder | $1,047 | $7,993-86.9% | $15,914-93.4% | $6,940-84.9% |