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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 | $40,739 | $81,504-50.0% | $102,437-60.2% | $80,959-49.7% |
| Participation rate | 22.2% | 66.9%-44.6pp | 74.5%-52.3pp | 67.7%-45.4pp |
| Annual return | 7.47% | 25.60%-18.1pp | 24.95%-17.5pp | 35.67%-28.2pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,241 | $3,871-67.9% | $5,060-75.5% | $4,300-71.1% |
| Admin fee / account holder | $3,533 | $6,719-47.4% | $8,388-57.9% | $6,925-49.0% |