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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 | $96,346 | $95,453+0.9% | $112,040-14.0% | $82,448+16.9% |
| Participation rate | 19.6% | 72.8%-53.2pp | 76.5%-56.9pp | 68.1%-48.5pp |
| Annual return | 9.74% | 23.92%-14.2pp | 24.52%-14.8pp | 41.64%-31.9pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,090 | $4,224-74.2% | $5,098-78.6% | $4,139-73.7% |
| Admin fee / account holder | $4,029 | $9,013-55.3% | $12,098-66.7% | $7,234-44.3% |