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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 | $44,943 | $65,376-31.3% | $87,104-48.4% | $65,185-31.1% |
| Participation rate | 52.4% | 75.3%-22.9pp | 76.9%-24.4pp | 70.2%-17.8pp |
| Annual return | 10.58% | 31.27%-20.7pp | 28.19%-17.6pp | 29.38%-18.8pp |
| Employer contribution / active EE | $1,196 | $1,822-34.4% | $2,521-52.6% | $2,177-45.1% |
| Participant deferral / active EE | $0 | $3,388-100.0% | $4,048-100.0% | $3,514-100.0% |
| Admin fee / account holder | $2,615 | $520+403.2% | $7,491-65.1% | $847+208.7% |