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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 | $76,641 | $97,648-21.5% | $121,663-37.0% | $87,485-12.4% |
| Participation rate | 30.0% | 70.5%-40.5pp | 74.5%-44.5pp | 68.9%-38.9pp |
| Annual return | 11.31% | 18.03%-6.7pp | 147.54%-136.2pp | 26.06%-14.8pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $998 | $3,923-74.6% | $4,887-79.6% | $4,274-76.7% |
| Admin fee / account holder | $5,440 | $11,100-51.0% | $14,289-61.9% | $7,775-30.0% |