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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 | $44,691 | $146,267-69.4% | $197,124-77.3% | $82,448-45.8% |
| Participation rate | 48.8% | 84.0%-35.2pp | 86.7%-37.9pp | 68.1%-19.3pp |
| Annual return | 12.40% | 29.61%-17.2pp | 44.34%-31.9pp | 41.64%-29.2pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,028 | $7,035-85.4% | $9,135-88.8% | $4,139-75.2% |
| Admin fee / account holder | $1,051 | $14,422-92.7% | $16,298-93.6% | $7,234-85.5% |