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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 | $73,498 | $80,731-9.0% | $103,378-28.9% | $74,400-1.2% |
| Participation rate | 24.5% | 65.7%-41.2pp | 74.5%-50.0pp | 67.2%-42.7pp |
| Annual return | 8.74% | 27.56%-18.8pp | 24.91%-16.2pp | 1367.51%-1358.8pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $831 | $3,862-78.5% | $5,058-83.6% | $4,348-80.9% |
| Admin fee / account holder | $2,458 | $2,369+3.7% | $8,401-70.7% | $1,944+26.5% |