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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 | $39,536 | $57,541-31.3% | $95,740-58.7% | $75,173-47.4% |
| Participation rate | 10.5% | 62.5%-52.0pp | 72.3%-61.8pp | 67.2%-56.7pp |
| Annual return | 11.43% | 34.93%-23.5pp | 28.41%-17.0pp | 160.72%-149.3pp |
| Employer contribution / active EE | $0 | $1,808-100.0% | $2,836-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $932 | $3,074-69.7% | $4,244-78.0% | $4,126-77.4% |
| Admin fee / account holder | $2,172 | $4,099-47.0% | $5,676-61.7% | $5,651-61.6% |