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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 | $67,448 | $67,602-0.2% | $82,312-18.1% | $70,126-3.8% |
| Participation rate | 46.4% | 72.8%-26.3pp | 76.9%-30.5pp | 69.5%-23.1pp |
| Annual return | 11.25% | 21.57%-10.3pp | 25.88%-14.6pp | 73.15%-61.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,099 | $2,987-63.2% | $3,706-70.4% | $3,332-67.0% |
| Admin fee / account holder | $5,907 | $4,512+30.9% | $5,608+5.3% | $4,645+27.1% |