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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 | $59,244 | $108,825-45.6% | $156,181-62.1% | $82,448-28.1% |
| Participation rate | 29.6% | 72.4%-42.7pp | 78.8%-49.2pp | 68.1%-38.4pp |
| Annual return | 9.25% | 20.59%-11.3pp | 64.87%-55.6pp | 41.64%-32.4pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $618 | $4,577-86.5% | $6,132-89.9% | $4,139-85.1% |
| Admin fee / account holder | $697 | $9,341-92.5% | $14,586-95.2% | $7,234-90.4% |