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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 | $95,453-33.1% | $112,040-43.0% | $82,448-22.5% |
| Participation rate | 30.2% | 72.8%-42.5pp | 76.5%-46.3pp | 68.1%-37.8pp |
| Annual return | 10.08% | 23.92%-13.8pp | 24.52%-14.4pp | 41.64%-31.6pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,132 | $4,224-73.2% | $5,098-77.8% | $4,139-72.7% |
| Admin fee / account holder | $1,473 | $9,013-83.7% | $12,098-87.8% | $7,234-79.6% |