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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 | $79,817 | $89,532-10.9% | $103,447-22.8% | $80,925-1.4% |
| Participation rate | 46.9% | 76.0%-29.2pp | 80.5%-33.7pp | 67.7%-20.8pp |
| Annual return | 9.80% | 22.80%-13.0pp | 23.92%-14.1pp | 35.65%-25.8pp |
| Employer contribution / active EE | $0 | $4,023-100.0% | $4,678-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,447 | $5,459-73.5% | $6,624-78.2% | $4,299-66.3% |
| Admin fee / account holder | $2,372 | $6,774-65.0% | $9,415-74.8% | $6,940-65.8% |