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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 | $27,338 | $81,504-66.5% | $102,437-73.3% | $80,959-66.2% |
| Participation rate | 34.0% | 66.9%-32.8pp | 74.5%-40.5pp | 67.7%-33.6pp |
| Annual return | 9.37% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,482 | $3,871-61.7% | $5,060-70.7% | $4,300-65.5% |
| Admin fee / account holder | $2,407 | $6,719-64.2% | $8,388-71.3% | $6,925-65.2% |