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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 | $86,689 | $72,269+20.0% | $101,271-14.4% | $79,852+8.6% |
| Participation rate | 17.6% | 68.5%-50.8pp | 75.8%-58.2pp | 69.6%-52.0pp |
| Annual return | 8.40% | 22.29%-13.9pp | 46.48%-38.1pp | 31.72%-23.3pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $478 | $3,282-85.4% | $4,371-89.1% | $3,740-87.2% |
| Admin fee / account holder | $1,236 | $4,401-71.9% | $5,948-79.2% | $5,306-76.7% |