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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 | $98,545 | $96,052+2.6% | $118,106-16.6% | $87,485+12.6% |
| Participation rate | 31.3% | 77.0%-45.8pp | 81.9%-50.6pp | 68.9%-37.7pp |
| Annual return | 12.76% | 24.16%-11.4pp | 19.44%-6.7pp | 26.06%-13.3pp |
| Employer contribution / active EE | $0 | $3,939-100.0% | $4,698-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $973 | $5,793-83.2% | $6,619-85.3% | $4,274-77.2% |
| Admin fee / account holder | $1,660 | $7,618-78.2% | $8,973-81.5% | $7,775-78.6% |