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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 | $47,731 | $60,349-20.9% | $74,184-35.7% | $62,881-24.1% |
| Participation rate | 38.5% | 72.7%-34.3pp | 76.6%-38.2pp | 69.3%-30.8pp |
| Annual return | 2.20% | 21.38%-19.2pp | 17.74%-15.5pp | 20.14%-17.9pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $486 | $2,856-83.0% | $3,550-86.3% | $3,203-84.8% |
| Admin fee / account holder | $620 | $4,261-85.5% | $5,586-88.9% | $4,296-85.6% |