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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 | $44,523 | $70,486-36.8% | $100,528-55.7% | $79,852-44.2% |
| Participation rate | 54.7% | 73.6%-19.0pp | 79.4%-24.7pp | 69.6%-15.0pp |
| Annual return | 8.29% | 21.90%-13.6pp | 30.90%-22.6pp | 31.72%-23.4pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,375 | $5,182-73.5% | $6,271-78.1% | $3,740-63.2% |
| Admin fee / account holder | $16,345 | $4,480+264.9% | $8,084+102.2% | $5,306+208.0% |