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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 | $114,712-48.4% | $173,730-65.9% | $87,485-32.3% |
| Participation rate | 29.6% | 73.0%-43.4pp | 79.6%-49.9pp | 68.9%-39.3pp |
| Annual return | 9.25% | 20.18%-10.9pp | 19.96%-10.7pp | 26.06%-16.8pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $618 | $4,642-86.7% | $6,326-90.2% | $4,274-85.5% |
| Admin fee / account holder | $697 | $10,210-93.2% | $17,523-96.0% | $7,775-91.0% |