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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 | $37,652 | $63,365-40.6% | $91,994-59.1% | $72,975-48.4% |
| Participation rate | 37.1% | 72.5%-35.4pp | 78.6%-41.5pp | 69.5%-32.3pp |
| Annual return | 17.45% | 35.35%-17.9pp | 69.04%-51.6pp | 81.01%-63.6pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $904 | $4,883-81.5% | $5,924-84.7% | $3,608-74.9% |
| Admin fee / account holder | $3,314 | $4,670-29.0% | $7,744-57.2% | $5,124-35.3% |