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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 | $23,347 | $72,269-67.7% | $101,271-76.9% | $79,852-70.8% |
| Participation rate | 29.3% | 68.5%-39.2pp | 75.8%-46.5pp | 69.6%-40.4pp |
| Annual return | 1.26% | 22.29%-21.0pp | 46.48%-45.2pp | 31.72%-30.5pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $743 | $3,282-77.4% | $4,371-83.0% | $3,740-80.1% |
| Admin fee / account holder | $14,147 | $4,401+221.5% | $5,948+137.9% | $5,306+166.6% |