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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 | $69,039 | $57,065+21.0% | $75,670-8.8% | $70,131-1.6% |
| Participation rate | 28.1% | 68.1%-40.0pp | 72.3%-44.2pp | 69.5%-41.4pp |
| Annual return | 9.96% | 23.57%-13.6pp | 27.34%-17.4pp | 73.14%-63.2pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $781 | $2,580-69.7% | $3,142-75.1% | $3,332-76.6% |
| Admin fee / account holder | $5,248 | $3,825+37.2% | $5,800-9.5% | $4,645+13.0% |