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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 | $54,162 | $86,949-37.7% | $102,460-47.1% | $80,959-33.1% |
| Participation rate | 31.3% | 72.4%-41.1pp | 76.5%-45.3pp | 67.7%-36.4pp |
| Annual return | 8.98% | 18.89%-9.9pp | 29.47%-20.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,480 | $4,121-64.1% | $5,056-70.7% | $4,300-65.6% |
| Admin fee / account holder | $1,112 | $8,048-86.2% | $9,460-88.2% | $6,925-83.9% |