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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 | $63,901 | $97,550-34.5% | $120,344-46.9% | $87,485-27.0% |
| Participation rate | 30.2% | 72.8%-42.6pp | 76.7%-46.5pp | 68.9%-38.7pp |
| Annual return | 10.08% | 18.41%-8.3pp | 20.30%-10.2pp | 26.06%-16.0pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,132 | $4,230-73.2% | $5,135-78.0% | $4,274-73.5% |
| Admin fee / account holder | $1,473 | $9,543-84.6% | $12,742-88.4% | $7,775-81.1% |