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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 | $85,515-32.7% | $112,040-48.7% | $67,986-15.4% |
| Participation rate | 13.3% | 68.2%-54.9pp | 76.5%-63.2pp | 57.2%-43.9pp |
| Annual return | 11.31% | 29.68%-18.4pp | 24.52%-13.2pp | 31.67%-20.4pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $501 | $4,014-87.5% | $5,098-90.2% | $3,358-85.1% |
| Admin fee / account holder | $1,832 | $3,774-51.4% | $12,098-84.9% | $3,203-42.8% |