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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 | $78,276 | $95,453-18.0% | $112,040-30.1% | $82,448-5.1% |
| Participation rate | 18.4% | 72.8%-54.3pp | 76.5%-58.1pp | 68.1%-49.6pp |
| Annual return | 9.19% | 23.92%-14.7pp | 24.52%-15.3pp | 41.64%-32.4pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,788 | $4,224-57.7% | $5,098-64.9% | $4,139-56.8% |
| Admin fee / account holder | $6,763 | $9,013-25.0% | $12,098-44.1% | $7,234-6.5% |