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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 | $68,577 | $72,027-4.8% | $185,835-63.1% | $79,852-14.1% |
| Participation rate | 18.1% | 65.8%-47.7pp | 78.0%-60.0pp | 69.6%-51.6pp |
| Annual return | 11.56% | 23.13%-11.6pp | 35.96%-24.4pp | 31.72%-20.2pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $619 | $3,780-83.6% | $5,633-89.0% | $3,740-83.4% |
| Admin fee / account holder | $1,471 | $4,513-67.4% | $9,502-84.5% | $5,306-72.3% |