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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 | $108,903 | $93,598+16.4% | $135,974-19.9% | $75,173+44.9% |
| Participation rate | 32.6% | 75.2%-42.6pp | 81.9%-49.3pp | 67.2%-34.6pp |
| Annual return | 13.36% | 30.89%-17.5pp | 68.30%-54.9pp | 160.72%-147.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,618 | $6,405-74.7% | $7,760-79.2% | $4,126-60.8% |
| Admin fee / account holder | $1,739 | $6,978-75.1% | $10,767-83.8% | $5,651-69.2% |