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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 | $34,934 | $80,992-56.9% | $96,534-63.8% | $75,173-53.5% |
| Participation rate | 37.0% | 71.8%-34.8pp | 76.0%-38.9pp | 67.2%-30.2pp |
| Annual return | 9.94% | 27.05%-17.1pp | 25.88%-15.9pp | 160.72%-150.8pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $836 | $3,929-78.7% | $4,851-82.8% | $4,126-79.7% |
| Admin fee / account holder | $1,738 | $6,717-74.1% | $8,253-78.9% | $5,651-69.2% |