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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 | $65,012 | $78,197-16.9% | $98,090-33.7% | $82,637-21.3% |
| Participation rate | 38.6% | 77.5%-38.8pp | 81.5%-42.9pp | 68.1%-29.4pp |
| Annual return | 12.95% | 40.25%-27.3pp | 37.05%-24.1pp | 53.51%-40.6pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $608 | $6,636-90.8% | $7,845-92.3% | $4,126-85.3% |
| Admin fee / account holder | $4,296 | $14,832-71.0% | $11,815-63.6% | $7,339-41.5% |