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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 | $34,632 | $87,834-60.6% | $133,975-74.2% | $62,881-44.9% |
| Participation rate | 25.6% | 83.4%-57.8pp | 87.1%-61.5pp | 69.3%-43.7pp |
| Annual return | 2.95% | 12.05%-9.1pp | 29.29%-26.3pp | 20.14%-17.2pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $292 | $4,812-93.9% | $6,282-95.4% | $3,203-90.9% |
| Admin fee / account holder | $421 | $5,372-92.2% | $9,324-95.5% | $4,296-90.2% |