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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 | $55,917 | $70,486-20.7% | $100,535-44.4% | $79,856-30.0% |
| Participation rate | 20.0% | 73.6%-53.6pp | 79.4%-59.4pp | 69.6%-49.6pp |
| Annual return | 9.96% | 21.90%-11.9pp | 30.90%-20.9pp | 31.71%-21.7pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,187 | $5,182-77.1% | $6,271-81.1% | $3,741-68.3% |
| Admin fee / account holder | $1,482 | $4,480-66.9% | $8,085-81.7% | $5,306-72.1% |