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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 | $68,893 | $58,493+17.8% | $84,023-18.0% | $72,976-5.6% |
| Participation rate | 15.7% | 61.2%-45.6pp | 69.0%-53.4pp | 69.5%-53.8pp |
| Annual return | 14.05% | 28.93%-14.9pp | 71.32%-57.3pp | 81.02%-67.0pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $246 | $2,394-89.7% | $3,239-92.4% | $3,608-93.2% |
| Admin fee / account holder | $2,499 | $4,569-45.3% | $6,102-59.1% | $5,124-51.2% |