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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 | $45,344 | $97,648-53.6% | $121,663-62.7% | $87,485-48.2% |
| Participation rate | 20.9% | 70.5%-49.5pp | 74.5%-53.6pp | 68.9%-48.0pp |
| Annual return | 9.42% | 18.03%-8.6pp | 147.54%-138.1pp | 26.06%-16.6pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,429 | $3,923-63.6% | $4,887-70.8% | $4,274-66.6% |
| Admin fee / account holder | $5,166 | $11,100-53.5% | $14,289-63.8% | $7,775-33.6% |