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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 | $41,730 | $123,793-66.3% | $177,840-76.5% | $79,852-47.7% |
| Participation rate | 41.4% | 84.7%-43.3pp | 87.7%-46.3pp | 69.6%-28.3pp |
| Annual return | 9.45% | 22.82%-13.4pp | 48.32%-38.9pp | 31.72%-22.3pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,270 | $5,956-78.7% | $7,714-83.5% | $3,740-66.0% |
| Admin fee / account holder | $1,440 | $7,243-80.1% | $12,431-88.4% | $5,306-72.9% |