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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 | $61,121 | $86,940-29.7% | $102,434-40.3% | $80,935-24.5% |
| Participation rate | 45.9% | 72.4%-26.5pp | 76.5%-30.6pp | 67.7%-21.8pp |
| Annual return | 8.95% | 18.89%-9.9pp | 29.46%-20.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,008 | $4,121-75.5% | $5,055-80.1% | $4,299-76.5% |
| Admin fee / account holder | $8,235 | $8,047+2.3% | $9,462-13.0% | $6,924+18.9% |