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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 | $87,059-65.6% | $105,608-71.6% | $80,925-63.0% |
| Participation rate | 47.4% | 70.4%-23.1pp | 75.3%-27.9pp | 67.7%-20.3pp |
| Annual return | 8.35% | 17.05%-8.7pp | 116.50%-108.1pp | 35.65%-27.3pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,041 | $3,986-73.9% | $5,010-79.2% | $4,299-75.8% |
| Admin fee / account holder | $5,191 | $8,443-38.5% | $11,028-52.9% | $6,940-25.2% |