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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 | $93,165 | $107,421-13.3% | $182,262-48.9% | $94,015-0.9% |
| Participation rate | 60.7% | 77.8%-17.1pp | 84.2%-23.5pp | 70.8%-10.1pp |
| Annual return | 10.02% | 21.32%-11.3pp | 140.60%-130.6pp | 17.84%-7.8pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,035 | $6,558-84.2% | $8,276-87.5% | $4,249-75.6% |
| Admin fee / account holder | $8,276 | $8,692-4.8% | $16,712-50.5% | $8,951-7.5% |