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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 | $145,431-69.3% | $211,142-78.8% | $87,485-48.9% |
| Participation rate | 48.8% | 84.7%-36.0pp | 87.3%-38.5pp | 68.9%-20.2pp |
| Annual return | 12.40% | 27.21%-14.8pp | 46.84%-34.4pp | 26.06%-13.7pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,028 | $6,859-85.0% | $9,284-88.9% | $4,274-76.0% |
| Admin fee / account holder | $1,051 | $17,052-93.8% | $19,076-94.5% | $7,775-86.5% |