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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 | $101,016 | $106,524-5.2% | $152,301-33.7% | $87,485+15.5% |
| Participation rate | 37.0% | 75.8%-38.7pp | 82.4%-45.4pp | 68.9%-31.9pp |
| Annual return | 11.79% | 26.89%-15.1pp | 80.50%-68.7pp | 26.06%-14.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $566 | $6,525-91.3% | $8,004-92.9% | $4,274-86.7% |
| Admin fee / account holder | $8,777 | $8,287+5.9% | $14,398-39.0% | $7,775+12.9% |