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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 | $40,064 | $63,314-36.7% | $91,004-56.0% | $62,293-35.7% |
| Participation rate | 15.4% | 73.3%-57.9pp | 75.6%-60.2pp | 69.5%-54.1pp |
| Annual return | 10.93% | 21.00%-10.1pp | 4.60%+6.3pp | 28.90%-18.0pp |
| Employer contribution / active EE | $0 | $1,807-100.0% | $2,456-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $606 | $2,944-79.4% | $3,548-82.9% | $3,169-80.9% |
| Admin fee / account holder | $788 | $468+68.6% | $5,417-85.4% | $479+64.5% |