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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 | $38,252 | $81,487-53.1% | $102,412-62.6% | $80,935-52.7% |
| Participation rate | 15.3% | 66.8%-51.5pp | 74.5%-59.2pp | 67.7%-52.4pp |
| Annual return | 8.83% | 25.60%-16.8pp | 24.94%-16.1pp | 35.66%-26.8pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,187 | $3,871-69.3% | $5,060-76.5% | $4,299-72.4% |
| Admin fee / account holder | $2,303 | $6,717-65.7% | $8,388-72.5% | $6,924-66.7% |