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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 | $54,119 | $79,867-32.2% | $120,344-55.0% | $64,340-15.9% |
| Participation rate | 14.5% | 63.0%-48.5pp | 76.7%-62.2pp | 55.2%-40.8pp |
| Annual return | 10.92% | 21.10%-10.2pp | 20.30%-9.4pp | 24.14%-13.2pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $464 | $3,593-87.1% | $5,135-91.0% | $2,980-84.4% |
| Admin fee / account holder | $5,630 | $5,039+11.7% | $12,742-55.8% | $3,703+52.1% |