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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 | $115,683 | $71,523+61.7% | $98,461+17.5% | $71,511+61.8% |
| Participation rate | 21.8% | 72.7%-50.9pp | 75.2%-53.4pp | 67.9%-46.1pp |
| Annual return | 13.29% | 32.43%-19.1pp | 21.17%-7.9pp | 28.86%-15.6pp |
| Employer contribution / active EE | $0 | $2,399-100.0% | $3,049-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,268 | $4,109-69.1% | $4,738-73.2% | $4,291-70.5% |
| Admin fee / account holder | $9,889 | $1,676+490.1% | $8,961+10.4% | $1,588+522.6% |