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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 | $150,396 | $110,137+36.6% | $161,149-6.7% | $82,637+82.0% |
| Participation rate | 34.9% | 72.4%-37.5pp | 78.8%-44.0pp | 68.1%-33.2pp |
| Annual return | 11.30% | 20.69%-9.4pp | 21.16%-9.9pp | 53.51%-42.2pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,299 | $4,575-71.6% | $6,153-78.9% | $4,126-68.5% |
| Admin fee / account holder | $4,525 | $9,467-52.2% | $15,194-70.2% | $7,339-38.3% |