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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 | $34,928 | $77,962-55.2% | $178,540-80.4% | $80,935-56.8% |
| Participation rate | 27.3% | 65.7%-38.4pp | 77.1%-49.8pp | 67.7%-40.4pp |
| Annual return | 9.39% | 18.10%-8.7pp | 27.15%-17.8pp | 35.66%-26.3pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,205 | $4,404-72.6% | $6,281-80.8% | $4,299-72.0% |
| Admin fee / account holder | $686 | $7,156-90.4% | $10,424-93.4% | $6,924-90.1% |