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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 | $123,478-52.0% | $216,567-72.6% | $94,015-37.0% |
| Participation rate | 29.6% | 75.1%-45.5pp | 81.6%-52.0pp | 70.8%-41.2pp |
| Annual return | 9.25% | 23.61%-14.4pp | 12.94%-3.7pp | 17.84%-8.6pp |
| Employer contribution / active EE | $0 | $3,136-100.0% | $5,216-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $618 | $4,556-86.4% | $6,191-90.0% | $4,249-85.5% |
| Admin fee / account holder | $697 | $12,753-94.5% | $21,981-96.8% | $8,951-92.2% |