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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 | $30,188 | $64,359-53.1% | $90,161-66.5% | $70,126-57.0% |
| Participation rate | 63.6% | 70.4%-6.8pp | 76.9%-13.2pp | 69.5%-5.9pp |
| Annual return | 14.33% | 28.13%-13.8pp | 34.89%-20.6pp | 73.15%-58.8pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $488 | $4,389-88.9% | $5,287-90.8% | $3,332-85.3% |
| Admin fee / account holder | $18,959 | $3,945+380.6% | $5,943+219.0% | $4,645+308.1% |