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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 | $29,402 | $73,787-60.2% | $98,716-70.2% | $82,448-64.3% |
| Participation rate | 16.2% | 61.4%-45.2pp | 69.3%-53.1pp | 68.1%-51.9pp |
| Annual return | 7.59% | 18.57%-11.0pp | 31.81%-24.2pp | 41.64%-34.1pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $616 | $3,081-80.0% | $4,048-84.8% | $4,139-85.1% |
| Admin fee / account holder | $1,277 | $6,500-80.3% | $8,703-85.3% | $7,234-82.3% |