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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 | $44,427 | $77,920-43.0% | $149,723-70.3% | $75,177-40.9% |
| Participation rate | 29.6% | 65.6%-36.0pp | 78.8%-49.1pp | 67.2%-37.6pp |
| Annual return | 12.46% | 31.72%-19.3pp | 134.50%-122.0pp | 160.75%-148.3pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $862 | $3,411-74.7% | $5,682-84.8% | $4,126-79.1% |
| Admin fee / account holder | $15,745 | $5,951+164.6% | $13,215+19.1% | $5,651+178.6% |