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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 | $46,937 | $88,370-46.9% | $112,977-58.5% | $79,852-41.2% |
| Participation rate | 39.1% | 76.8%-37.7pp | 82.6%-43.4pp | 69.6%-30.5pp |
| Annual return | 9.39% | 23.16%-13.8pp | 24.24%-14.9pp | 31.72%-22.3pp |
| Employer contribution / active EE | $0 | $3,398-100.0% | $4,255-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,295 | $4,536-71.4% | $5,836-77.8% | $3,740-65.4% |
| Admin fee / account holder | $1,334 | $5,750-76.8% | $6,294-78.8% | $5,306-74.9% |