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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 | $74,721 | $106,749-30.0% | $145,433-48.6% | $82,448-9.4% |
| Participation rate | 11.4% | 75.6%-64.2pp | 82.1%-70.7pp | 68.1%-56.6pp |
| Annual return | 8.40% | 27.59%-19.2pp | 66.58%-58.2pp | 41.64%-33.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,194 | $6,519-81.7% | $7,897-84.9% | $4,139-71.1% |
| Admin fee / account holder | $15,432 | $8,390+83.9% | $13,129+17.5% | $7,234+113.3% |