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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 | $38,955 | $83,485-53.3% | $125,192-68.9% | $72,975-46.6% |
| Participation rate | 18.2% | 73.3%-55.1pp | 79.8%-61.6pp | 69.5%-51.3pp |
| Annual return | 11.83% | 25.77%-13.9pp | 43.79%-32.0pp | 81.01%-69.2pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,039 | $3,586-71.0% | $4,937-79.0% | $3,608-71.2% |
| Admin fee / account holder | $6,274 | $5,518+13.7% | $9,704-35.3% | $5,124+22.4% |