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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 | $97,221 | $136,860-29.0% | $120,344-19.2% | $154,746-37.2% |
| Participation rate | 16.7% | 79.9%-63.2pp | 76.7%-60.0pp | 80.7%-64.0pp |
| Annual return | 4.53% | 21.38%-16.8pp | 20.30%-15.8pp | 172.34%-167.8pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,026 | $5,793-82.3% | $5,135-80.0% | $6,730-84.8% |
| Admin fee / account holder | $6,786 | $15,393-55.9% | $12,742-46.7% | $14,365-52.8% |