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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 | $20,048 | $59,440-66.3% | $78,004-74.3% | $82,637-75.7% |
| Participation rate | 33.3% | 62.8%-29.5pp | 69.4%-36.1pp | 68.1%-34.7pp |
| Annual return | 11.77% | 40.24%-28.5pp | 31.07%-19.3pp | 53.51%-41.7pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $601 | $3,138-80.9% | $4,092-85.3% | $4,126-85.4% |
| Admin fee / account holder | $4,386 | $5,504-20.3% | $7,578-42.1% | $7,339-40.2% |