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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 | $66,212 | $209,336-68.4% | $197,124-66.4% | $137,256-51.8% |
| Participation rate | 56.3% | 87.3%-31.1pp | 86.7%-30.5pp | 80.0%-23.7pp |
| Annual return | 11.04% | 48.09%-37.0pp | 44.34%-33.3pp | 220.34%-209.3pp |
| Employer contribution / active EE | $0 | $6,591-100.0% | $6,227-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,005 | $9,614-89.5% | $9,135-89.0% | $6,407-84.3% |
| Admin fee / account holder | $35,243 | $17,308+103.6% | $16,298+116.2% | $12,270+187.2% |