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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 | $76,107 | $76,551-0.6% | $123,894-38.6% | $62,881+21.0% |
| Participation rate | 11.1% | 73.0%-61.9pp | 81.4%-70.3pp | 69.3%-58.2pp |
| Annual return | 5.00% | 18.68%-13.7pp | 47.52%-42.5pp | 20.14%-15.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $458 | $4,840-90.5% | $5,984-92.3% | $3,203-85.7% |
| Admin fee / account holder | $5,142 | $4,826+6.5% | $8,357-38.5% | $4,296+19.7% |