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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 | $130,924 | $106,524+22.9% | $152,301-14.0% | $87,485+49.7% |
| Participation rate | 22.6% | 75.8%-53.2pp | 82.4%-59.9pp | 68.9%-46.4pp |
| Annual return | 10.78% | 26.89%-16.1pp | 80.50%-69.7pp | 26.06%-15.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $746 | $6,525-88.6% | $8,004-90.7% | $4,274-82.5% |
| Admin fee / account holder | $6,479 | $8,287-21.8% | $14,398-55.0% | $7,775-16.7% |