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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 | $112,481 | $142,972-21.3% | $214,702-47.6% | $86,983+29.3% |
| Participation rate | 61.5% | 84.9%-23.3pp | 87.5%-25.9pp | 69.5%-8.0pp |
| Annual return | 12.41% | 18.49%-6.1pp | 54.55%-42.1pp | 25.83%-13.4pp |
| Employer contribution / active EE | $0 | $4,635-100.0% | $6,461-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,054 | $6,568-53.5% | $9,147-66.6% | $4,194-27.2% |
| Admin fee / account holder | $14,068 | $17,617-20.1% | $19,830-29.1% | $7,856+79.1% |