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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 | $22,679 | $56,054-59.5% | $171,082-86.7% | $62,881-63.9% |
| Participation rate | 13.8% | 62.9%-49.1pp | 76.7%-62.9pp | 69.3%-55.5pp |
| Annual return | 4.61% | 22.52%-17.9pp | 32.56%-27.9pp | 20.14%-15.5pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $718 | $3,158-77.3% | $4,797-85.0% | $3,203-77.6% |
| Admin fee / account holder | $6,116 | $3,647+67.7% | $8,520-28.2% | $4,296+42.4% |