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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 | $46,817 | $130,294-64.1% | $170,028-72.5% | $71,495-34.5% |
| Participation rate | 29.8% | 86.2%-56.3pp | 87.0%-57.2pp | 67.9%-38.1pp |
| Annual return | 12.89% | 20.36%-7.5pp | 53.39%-40.5pp | 28.85%-16.0pp |
| Employer contribution / active EE | $0 | $4,385-100.0% | $6,788-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,958 | $6,928-71.7% | $10,409-81.2% | $4,291-54.4% |
| Admin fee / account holder | $2,734 | $966+183.0% | $12,820-78.7% | $1,588+72.2% |