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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 | $78,935 | $75,541+4.5% | $152,093-48.1% | $82,637-4.5% |
| Participation rate | 28.1% | 66.5%-38.4pp | 77.8%-49.6pp | 68.1%-39.9pp |
| Annual return | 12.15% | 32.56%-20.4pp | 66.36%-54.2pp | 53.51%-41.4pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $403 | $3,206-87.4% | $5,451-92.6% | $4,126-90.2% |
| Admin fee / account holder | $396 | $6,405-93.8% | $14,497-97.3% | $7,339-94.6% |