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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 | $81,377 | $78,520+3.6% | $96,576-15.7% | $82,448-1.3% |
| Participation rate | 11.4% | 77.7%-66.4pp | 81.4%-70.1pp | 68.1%-56.7pp |
| Annual return | 7.08% | 41.30%-34.2pp | 38.47%-31.4pp | 41.64%-34.6pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,404 | $6,754-79.2% | $7,956-82.3% | $4,139-66.1% |
| Admin fee / account holder | $4,626 | $13,455-65.6% | $11,381-59.4% | $7,234-36.1% |