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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 | $69,580 | $83,485-16.7% | $125,195-44.4% | $72,976-4.7% |
| Participation rate | 37.9% | 73.3%-35.4pp | 79.8%-41.9pp | 69.5%-31.6pp |
| Annual return | 2.64% | 25.77%-23.1pp | 43.79%-41.2pp | 81.02%-78.4pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,393 | $3,586-61.2% | $4,937-71.8% | $3,608-61.4% |
| Admin fee / account holder | $2,712 | $5,518-50.8% | $9,704-72.1% | $5,124-47.1% |