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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 | $52,193 | $73,787-29.3% | $98,716-47.1% | $82,448-36.7% |
| Participation rate | 18.4% | 61.4%-43.0pp | 69.3%-50.9pp | 68.1%-49.6pp |
| Annual return | 11.25% | 18.57%-7.3pp | 31.81%-20.6pp | 41.64%-30.4pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $258 | $3,081-91.6% | $4,048-93.6% | $4,139-93.8% |
| Admin fee / account holder | $1,880 | $6,500-71.1% | $8,703-78.4% | $7,234-74.0% |