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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 | $28,566 | $65,582-56.4% | $64,097-55.4% | $71,529-60.1% |
| Participation rate | 12.7% | 73.2%-60.5pp | 72.3%-59.6pp | 67.9%-55.2pp |
| Annual return | 10.54% | 18.96%-8.4pp | 33.75%-23.2pp | 28.97%-18.4pp |
| Employer contribution / active EE | $0 | $2,671-100.0% | $2,750-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $579 | $3,628-84.0% | $3,881-85.1% | $4,291-86.5% |
| Admin fee / account holder | $2,839 | $616+360.6% | $3,070-7.5% | $1,588+78.7% |