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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 | $43,129 | $76,112-43.3% | $96,534-55.3% | $71,511-39.7% |
| Participation rate | 17.3% | 74.4%-57.1pp | 76.0%-58.7pp | 67.9%-50.7pp |
| Annual return | 10.01% | 22.81%-12.8pp | 25.88%-15.9pp | 28.86%-18.8pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $523 | $4,217-87.6% | $4,851-89.2% | $4,291-87.8% |
| Admin fee / account holder | $6,218 | $2,708+129.6% | $8,253-24.7% | $1,588+291.5% |