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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 | $64,796 | $95,404-32.1% | $113,397-42.9% | $82,637-21.6% |
| Participation rate | 68.3% | 72.8%-4.5pp | 76.5%-8.2pp | 68.1%+0.2pp |
| Annual return | 11.53% | 19.08%-7.6pp | 23.20%-11.7pp | 53.51%-42.0pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,893 | $4,220-55.1% | $5,076-62.7% | $4,126-54.1% |
| Admin fee / account holder | $8,494 | $9,168-7.3% | $11,957-29.0% | $7,339+15.7% |