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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 | $56,667 | $65,364-13.3% | $92,909-39.0% | $72,975-22.3% |
| Participation rate | 20.9% | 68.3%-47.4pp | 76.0%-55.1pp | 69.5%-48.6pp |
| Annual return | 12.76% | 42.11%-29.3pp | 109.44%-96.7pp | 81.01%-68.3pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,222 | $3,128-60.9% | $4,238-71.2% | $3,608-66.1% |
| Admin fee / account holder | $1,785 | $4,251-58.0% | $5,795-69.2% | $5,124-65.2% |