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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 | $66,380 | $77,472-14.3% | $100,415-33.9% | $80,959-18.0% |
| Participation rate | 15.2% | 76.9%-61.8pp | 81.5%-66.4pp | 67.7%-52.5pp |
| Annual return | 7.98% | 37.26%-29.3pp | 49.47%-41.5pp | 35.67%-27.7pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,783 | $6,818-73.8% | $8,091-78.0% | $4,300-58.5% |
| Admin fee / account holder | $1,984 | $5,885-66.3% | $7,906-74.9% | $6,925-71.4% |