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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 | $41,389 | $58,493-29.2% | $84,021-50.7% | $72,975-43.3% |
| Participation rate | 30.4% | 61.2%-30.9pp | 69.0%-38.6pp | 69.5%-39.1pp |
| Annual return | 15.39% | 28.93%-13.5pp | 71.32%-55.9pp | 81.01%-65.6pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $680 | $2,394-71.6% | $3,239-79.0% | $3,608-81.1% |
| Admin fee / account holder | $889 | $4,569-80.6% | $6,102-85.4% | $5,124-82.7% |