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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 | $80,855-29.0% | $153,416-62.6% | $86,983-34.0% |
| Participation rate | 56.3% | 64.1%-7.9pp | 74.3%-18.1pp | 69.5%-13.3pp |
| Annual return | 8.28% | 16.18%-7.9pp | 17.84%-9.6pp | 25.83%-17.5pp |
| Employer contribution / active EE | $0 | $2,308-100.0% | $3,764-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $680 | $3,333-79.6% | $4,723-85.6% | $4,194-83.8% |
| Admin fee / account holder | $3,579 | $6,908-48.2% | $13,095-72.7% | $7,856-54.4% |