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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 | $143,969-21.9% | $199,883-43.7% | $82,637+36.1% |
| Participation rate | 61.5% | 84.1%-22.6pp | 86.8%-25.2pp | 68.1%-6.5pp |
| Annual return | 12.41% | 25.67%-13.3pp | 43.81%-31.4pp | 53.51%-41.1pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,054 | $6,937-56.0% | $9,138-66.6% | $4,126-26.0% |
| Admin fee / account holder | $14,068 | $14,597-3.6% | $17,268-18.5% | $7,339+91.7% |