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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 | $52,181 | $106,864-51.2% | $147,318-64.6% | $82,637-36.9% |
| Participation rate | 13.5% | 75.5%-62.0pp | 82.1%-68.6pp | 68.1%-54.5pp |
| Annual return | 10.31% | 27.49%-17.2pp | 70.43%-60.1pp | 53.51%-43.2pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,625 | $6,496-75.0% | $7,906-79.4% | $4,126-60.6% |
| Admin fee / account holder | $5,451 | $8,415-35.2% | $13,708-60.2% | $7,339-25.7% |