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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 | $57,531 | $79,867-28.0% | $120,344-52.2% | $64,340-10.6% |
| Participation rate | 13.3% | 63.0%-49.6pp | 76.7%-63.4pp | 55.2%-41.9pp |
| Annual return | 11.31% | 21.10%-9.8pp | 20.30%-9.0pp | 24.14%-12.8pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $501 | $3,593-86.1% | $5,135-90.2% | $2,980-83.2% |
| Admin fee / account holder | $1,832 | $5,039-63.6% | $12,742-85.6% | $3,703-50.5% |