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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 | $84,303 | $138,393-39.1% | $184,256-54.2% | $80,959+4.1% |
| Participation rate | 30.0% | 83.9%-53.9pp | 86.8%-56.8pp | 67.7%-37.7pp |
| Annual return | 6.04% | 20.01%-14.0pp | 28.85%-22.8pp | 35.67%-29.6pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,258 | $7,076-82.2% | $9,133-86.2% | $4,300-70.7% |
| Admin fee / account holder | $3,243 | $10,489-69.1% | $13,899-76.7% | $6,925-53.2% |