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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 | $37,214 | $67,411-44.8% | $91,004-59.1% | $70,124-46.9% |
| Participation rate | 25.0% | 71.4%-46.4pp | 75.6%-50.6pp | 69.5%-44.5pp |
| Annual return | 11.26% | -40.16%+51.4pp | 4.60%+6.7pp | 73.14%-61.9pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,147 | $2,823-59.4% | $3,548-67.7% | $3,332-65.6% |
| Admin fee / account holder | $5,460 | $4,236+28.9% | $5,417+0.8% | $4,645+17.5% |