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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 | $48,883 | $71,208-31.4% | $93,681-47.8% | $80,911-39.6% |
| Participation rate | 23.5% | 60.4%-36.9pp | 68.7%-45.2pp | 67.6%-44.1pp |
| Annual return | 9.34% | 11.27%-1.9pp | 133.47%-124.1pp | 35.63%-26.3pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $883 | $4,035-78.1% | $4,415-80.0% | $4,297-79.4% |
| Admin fee / account holder | $1,574 | $6,951-77.4% | $8,290-81.0% | $6,935-77.3% |