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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 | $78,691 | $67,602+16.4% | $82,312-4.4% | $70,126+12.2% |
| Participation rate | 23.3% | 72.8%-49.5pp | 76.9%-53.6pp | 69.5%-46.3pp |
| Annual return | 11.51% | 21.57%-10.1pp | 25.88%-14.4pp | 73.15%-61.6pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,327 | $2,987-55.6% | $3,706-64.2% | $3,332-60.2% |
| Admin fee / account holder | $3,485 | $4,512-22.8% | $5,608-37.9% | $4,645-25.0% |