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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 | $47,415 | $78,520-39.6% | $96,576-50.9% | $82,448-42.5% |
| Participation rate | 68.7% | 77.7%-9.1pp | 81.4%-12.8pp | 68.1%+0.6pp |
| Annual return | 12.35% | 41.30%-29.0pp | 38.47%-26.1pp | 41.64%-29.3pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,666 | $6,754-60.5% | $7,956-66.5% | $4,139-35.6% |
| Admin fee / account holder | $6,671 | $13,455-50.4% | $11,381-41.4% | $7,234-7.8% |