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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 | $19,315 | $78,015-75.2% | $178,505-89.2% | $80,959-76.1% |
| Participation rate | 25.6% | 65.7%-40.1pp | 77.1%-51.5pp | 67.7%-42.1pp |
| Annual return | 4.28% | 18.10%-13.8pp | 27.16%-22.9pp | 35.67%-31.4pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $759 | $4,406-82.8% | $6,280-87.9% | $4,300-82.4% |
| Admin fee / account holder | $1,743 | $7,160-75.7% | $10,428-83.3% | $6,925-74.8% |