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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 | $46,222 | $76,371-39.5% | $93,621-50.6% | $72,975-36.7% |
| Participation rate | 41.6% | 71.8%-30.2pp | 75.8%-34.3pp | 69.5%-27.9pp |
| Annual return | 12.85% | 25.82%-13.0pp | 32.76%-19.9pp | 81.01%-68.2pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $735 | $3,538-79.2% | $4,070-81.9% | $3,608-79.6% |
| Admin fee / account holder | $1,136 | $6,839-83.4% | $7,890-85.6% | $5,124-77.8% |