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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 | $29,982 | $87,132-65.6% | $105,624-71.6% | $80,959-63.0% |
| Participation rate | 47.4% | 70.4%-23.1pp | 75.3%-27.9pp | 67.7%-20.3pp |
| Annual return | 8.35% | 17.03%-8.7pp | 116.20%-107.9pp | 35.67%-27.3pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,041 | $3,985-73.9% | $5,013-79.2% | $4,300-75.8% |
| Admin fee / account holder | $5,191 | $8,449-38.6% | $10,961-52.6% | $6,925-25.0% |