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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 | $99,004 | $139,421-29.0% | $239,577-58.7% | $116,462-15.0% |
| Participation rate | 35.2% | 75.0%-39.8pp | 82.1%-46.9pp | 74.7%-39.5pp |
| Annual return | 11.50% | 15.58%-4.1pp | -0.70%+12.2pp | 15.65%-4.2pp |
| Employer contribution / active EE | $0 | $4,487-100.0% | $7,232-100.0% | $3,231-100.0% |
| Participant deferral / active EE | $1,810 | $4,296-57.9% | $5,676-68.1% | $3,836-52.8% |
| Admin fee / account holder | $2,087 | $21,515-90.3% | $19,315-89.2% | $12,754-83.6% |