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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 | $27,677 | $93,617-70.4% | $135,982-79.6% | $75,177-63.2% |
| Participation rate | 20.7% | 75.2%-54.5pp | 81.9%-61.2pp | 67.2%-46.5pp |
| Annual return | 7.49% | 30.89%-23.4pp | 68.32%-60.8pp | 160.75%-153.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $685 | $6,406-89.3% | $7,760-91.2% | $4,126-83.4% |
| Admin fee / account holder | $2,838 | $6,980-59.3% | $10,767-73.6% | $5,651-49.8% |