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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 | $71,098 | $84,685-16.0% | $142,942-50.3% | $67,986+4.6% |
| Participation rate | 15.7% | 61.4%-45.7pp | 76.8%-61.2pp | 57.2%-41.5pp |
| Annual return | 11.60% | 35.89%-24.3pp | 113.70%-102.1pp | 31.67%-20.1pp |
| Employer contribution / active EE | $0 | $2,263-100.0% | $4,139-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $872 | $3,832-77.2% | $7,128-87.8% | $3,358-74.0% |
| Admin fee / account holder | $8,943 | $3,229+177.0% | $12,475-28.3% | $3,203+179.2% |