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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 | $73,811 | $80,985-8.9% | $96,576-23.6% | $75,181-1.8% |
| Participation rate | 24.6% | 71.8%-47.2pp | 76.0%-51.4pp | 67.2%-42.6pp |
| Annual return | 9.87% | 27.05%-17.2pp | 25.87%-16.0pp | 160.69%-150.8pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,245 | $3,929-68.3% | $4,851-74.3% | $4,126-69.8% |
| Admin fee / account holder | $1,306 | $6,719-80.6% | $8,253-84.2% | $5,650-76.9% |