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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 | $33,519 | $76,834-56.4% | $108,359-69.1% | $87,485-61.7% |
| Participation rate | 13.3% | 61.7%-48.4pp | 70.1%-56.8pp | 68.9%-55.6pp |
| Annual return | 10.25% | 19.09%-8.8pp | 36.89%-26.6pp | 26.06%-15.8pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $277 | $3,100-91.1% | $4,137-93.3% | $4,274-93.5% |
| Admin fee / account holder | $4,744 | $6,537-27.4% | $9,741-51.3% | $7,775-39.0% |