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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 | $77,017 | $82,879-7.1% | $96,576-20.3% | $67,986+13.3% |
| Participation rate | 32.4% | 75.2%-42.8pp | 81.4%-49.1pp | 57.2%-24.8pp |
| Annual return | 13.40% | 36.90%-23.5pp | 38.47%-25.1pp | 31.67%-18.3pp |
| Employer contribution / active EE | $0 | $2,727-100.0% | $3,553-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,266 | $6,976-67.5% | $7,956-71.5% | $3,358-32.5% |
| Admin fee / account holder | $16,548 | $2,783+494.6% | $11,381+45.4% | $3,203+416.6% |