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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 | $106,524-12.5% | $152,301-38.8% | $87,485+6.5% |
| Participation rate | 60.7% | 75.8%-15.0pp | 82.4%-21.7pp | 68.9%-8.2pp |
| Annual return | 10.02% | 26.89%-16.9pp | 80.50%-70.5pp | 26.06%-16.0pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,035 | $6,525-84.1% | $8,004-87.1% | $4,274-75.8% |
| Admin fee / account holder | $8,276 | $8,287-0.1% | $14,398-42.5% | $7,775+6.5% |