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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 | $36,634 | $59,804-38.7% | $81,982-55.3% | $79,856-54.1% |
| Participation rate | 13.5% | 61.6%-48.2pp | 69.3%-55.8pp | 69.6%-56.2pp |
| Annual return | 9.29% | 17.56%-8.3pp | 41.31%-32.0pp | 31.71%-22.4pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $772 | $2,695-71.3% | $3,722-79.3% | $3,741-79.4% |
| Admin fee / account holder | $3,573 | $4,288-16.7% | $5,665-36.9% | $5,306-32.7% |