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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 | $88,103 | $77,472+13.7% | $100,392-12.2% | $80,935+8.9% |
| Participation rate | 42.5% | 76.9%-34.5pp | 81.5%-39.0pp | 67.7%-25.2pp |
| Annual return | 9.47% | 37.26%-27.8pp | 49.45%-40.0pp | 35.66%-26.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,571 | $6,818-77.0% | $8,090-80.6% | $4,299-63.5% |
| Admin fee / account holder | $956 | $5,885-83.8% | $7,904-87.9% | $6,924-86.2% |