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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 | $21,493 | $58,523-63.3% | $99,475-78.4% | $72,975-70.5% |
| Participation rate | 41.4% | 64.6%-23.2pp | 73.8%-32.5pp | 69.5%-28.1pp |
| Annual return | 16.08% | 28.51%-12.4pp | 30.72%-14.6pp | 81.01%-64.9pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $447 | $2,606-82.8% | $3,619-87.6% | $3,608-87.6% |
| Admin fee / account holder | $458 | $4,102-88.8% | $6,252-92.7% | $5,124-91.1% |