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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 | $41,023 | $71,526-42.6% | $98,450-58.3% | $71,495-42.6% |
| Participation rate | 43.5% | 72.7%-29.2pp | 75.2%-31.7pp | 67.9%-24.4pp |
| Annual return | 13.07% | 32.42%-19.3pp | 21.16%-8.1pp | 28.85%-15.8pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,049-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,275 | $4,110-69.0% | $4,739-73.1% | $4,291-70.3% |
| Admin fee / account holder | $596 | $1,675-64.4% | $8,961-93.4% | $1,588-62.5% |