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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 | $57,388 | $79,894-28.2% | $135,792-57.7% | $82,637-30.6% |
| Participation rate | 56.3% | 63.0%-6.8pp | 72.6%-16.3pp | 68.1%-11.8pp |
| Annual return | 8.28% | 17.20%-8.9pp | 25.96%-17.7pp | 53.51%-45.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,496-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $680 | $3,194-78.7% | $4,759-85.7% | $4,126-83.5% |
| Admin fee / account holder | $3,579 | $6,434-44.4% | $12,266-70.8% | $7,339-51.2% |