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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 | $33,583 | $75,541-55.5% | $152,093-77.9% | $82,637-59.4% |
| Participation rate | 11.9% | 66.5%-54.6pp | 77.8%-65.9pp | 68.1%-56.1pp |
| Annual return | 4.69% | 32.56%-27.9pp | 66.36%-61.7pp | 53.51%-48.8pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $358 | $3,206-88.8% | $5,451-93.4% | $4,126-91.3% |
| Admin fee / account holder | $671 | $6,405-89.5% | $14,497-95.4% | $7,339-90.9% |