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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 | $58,217 | $95,762-39.2% | $379,746-84.7% | $79,852-27.1% |
| Participation rate | 23.5% | 74.0%-50.5pp | 78.4%-54.9pp | 69.6%-46.1pp |
| Annual return | 9.11% | 18.26%-9.2pp | 34.90%-25.8pp | 31.72%-22.6pp |
| Employer contribution / active EE | $0 | $2,695-100.0% | $3,540-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,683 | $4,705-64.2% | $6,024-72.1% | $3,740-55.0% |
| Admin fee / account holder | $1,039 | $6,745-84.6% | $7,927-86.9% | $5,306-80.4% |