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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 | $45,196 | $106,524-57.6% | $152,301-70.3% | $87,485-48.3% |
| Participation rate | 30.4% | 75.8%-45.4pp | 82.4%-52.1pp | 68.9%-38.6pp |
| Annual return | 13.73% | 26.89%-13.2pp | 80.50%-66.8pp | 26.06%-12.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,247 | $6,525-80.9% | $8,004-84.4% | $4,274-70.8% |
| Admin fee / account holder | $8,833 | $8,287+6.6% | $14,398-38.6% | $7,775+13.6% |