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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 | $32,429 | $35,183-7.8% | $73,550-55.9% | $70,126-53.8% |
| Participation rate | 19.2% | 42.9%-23.7pp | 54.9%-35.7pp | 69.5%-50.3pp |
| Annual return | 12.31% | 26.90%-14.6pp | -15.16%+27.5pp | 73.15%-60.8pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $259 | $1,220-78.7% | $1,804-85.6% | $3,332-92.2% |
| Admin fee / account holder | $5,205 | $2,302+126.1% | $2,320+124.4% | $4,645+12.0% |