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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 | $40,290 | $86,940-53.7% | $102,434-60.7% | $80,935-50.2% |
| Participation rate | 41.2% | 72.4%-31.2pp | 76.5%-35.3pp | 67.7%-26.5pp |
| Annual return | 9.60% | 18.89%-9.3pp | 29.46%-19.9pp | 35.66%-26.1pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,823 | $4,121-55.8% | $5,055-63.9% | $4,299-57.6% |
| Admin fee / account holder | $986 | $8,047-87.8% | $9,462-89.6% | $6,924-85.8% |