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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 | $48,204 | $81,457-40.8% | $103,378-53.4% | $80,911-40.4% |
| Participation rate | 46.2% | 66.8%-20.7pp | 74.5%-28.4pp | 67.6%-21.5pp |
| Annual return | 7.28% | 25.58%-18.3pp | 24.91%-17.6pp | 35.63%-28.4pp |
| Employer contribution / active EE | $0 | $3,107-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,375 | $3,871-64.5% | $5,058-72.8% | $4,297-68.0% |
| Admin fee / account holder | $4,962 | $6,717-26.1% | $8,401-40.9% | $6,935-28.5% |