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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 | $108,226 | $72,273+49.7% | $101,275+6.9% | $79,856+35.5% |
| Participation rate | 31.0% | 68.5%-37.4pp | 75.8%-44.8pp | 69.6%-38.6pp |
| Annual return | 8.43% | 22.30%-13.9pp | 46.48%-38.1pp | 31.71%-23.3pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,244 | $3,282-62.1% | $4,371-71.5% | $3,741-66.7% |
| Admin fee / account holder | $2,884 | $4,401-34.5% | $5,948-51.5% | $5,306-45.7% |