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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 | $62,694 | $95,404-34.3% | $113,397-44.7% | $82,637-24.1% |
| Participation rate | 43.5% | 72.8%-29.3pp | 76.5%-33.0pp | 68.1%-24.6pp |
| Annual return | 11.85% | 19.08%-7.2pp | 23.20%-11.4pp | 53.51%-41.7pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,837 | $4,220-56.5% | $5,076-63.8% | $4,126-55.5% |
| Admin fee / account holder | $6,184 | $9,168-32.5% | $11,957-48.3% | $7,339-15.7% |