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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 | $67,819 | $87,465-22.5% | $122,979-44.9% | $65,306+3.8% |
| Participation rate | 40.6% | 66.0%-25.4pp | 77.2%-36.6pp | 57.7%-17.0pp |
| Annual return | 10.45% | 19.76%-9.3pp | 20.12%-9.7pp | 21.94%-11.5pp |
| Employer contribution / active EE | $0 | $2,156-100.0% | $3,062-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,089 | $3,705-70.6% | $5,003-78.2% | $2,959-63.2% |
| Admin fee / account holder | $3,248 | $5,100-36.3% | $12,864-74.8% | $3,480-6.7% |