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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 | $12,149 | $60,442-79.9% | $96,754-87.4% | $87,485-86.1% |
| Participation rate | 54.3% | 58.7%-4.4pp | 70.3%-16.0pp | 68.9%-14.6pp |
| Annual return | 8.04% | 21.97%-13.9pp | 82.04%-74.0pp | 26.06%-18.0pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $872 | $3,280-73.4% | $4,758-81.7% | $4,274-79.6% |
| Admin fee / account holder | $1,531 | $5,069-69.8% | $8,905-82.8% | $7,775-80.3% |