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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 | $17,635 | $77,962-77.4% | $178,540-90.1% | $80,935-78.2% |
| Participation rate | 8.5% | 65.7%-57.2pp | 77.1%-68.6pp | 67.7%-59.2pp |
| Annual return | 8.52% | 18.10%-9.6pp | 27.15%-18.6pp | 35.66%-27.1pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $732 | $4,404-83.4% | $6,281-88.3% | $4,299-83.0% |
| Admin fee / account holder | $2,426 | $7,156-66.1% | $10,424-76.7% | $6,924-65.0% |