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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 | $28,804 | $76,669-62.4% | $96,520-70.2% | $71,495-59.7% |
| Participation rate | 5.3% | 66.6%-61.2pp | 74.3%-69.0pp | 67.9%-62.6pp |
| Annual return | 13.71% | 48.29%-34.6pp | 35.72%-22.0pp | 28.85%-15.1pp |
| Employer contribution / active EE | $0 | $3,031-100.0% | $3,739-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $367 | $3,771-90.3% | $4,879-92.5% | $4,291-91.5% |
| Admin fee / account holder | $1,670 | $2,028-17.6% | $6,733-75.2% | $1,588+5.2% |