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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 | $33,042 | $78,027-57.7% | $178,528-81.5% | $80,925-59.2% |
| Participation rate | 38.0% | 65.7%-27.7pp | 77.1%-39.1pp | 67.7%-29.7pp |
| Annual return | 8.12% | 18.09%-10.0pp | 27.11%-19.0pp | 35.65%-27.5pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,037 | $4,408-76.5% | $6,278-83.5% | $4,299-75.9% |
| Admin fee / account holder | $1,677 | $7,168-76.6% | $10,419-83.9% | $6,940-75.8% |