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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 | $30,715 | $73,787-58.4% | $98,716-68.9% | $82,448-62.7% |
| Participation rate | 3.0% | 61.4%-58.4pp | 69.3%-66.3pp | 68.1%-65.1pp |
| Annual return | 6.40% | 18.57%-12.2pp | 31.81%-25.4pp | 41.64%-35.2pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $154 | $3,081-95.0% | $4,048-96.2% | $4,139-96.3% |
| Admin fee / account holder | $26,458 | $6,500+307.0% | $8,703+204.0% | $7,234+265.7% |