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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 | $51,189 | $58,512-12.5% | $84,020-39.1% | $72,983-29.9% |
| Participation rate | 26.7% | 61.2%-34.6pp | 69.0%-42.3pp | 69.5%-42.8pp |
| Annual return | 8.99% | 28.93%-19.9pp | 71.31%-62.3pp | 81.01%-72.0pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $507 | $2,394-78.8% | $3,239-84.3% | $3,608-85.9% |
| Admin fee / account holder | $1,488 | $4,569-67.4% | $6,101-75.6% | $5,124-71.0% |