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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 | $46,469 | $81,476-43.0% | $102,383-54.6% | $80,925-42.6% |
| Participation rate | 30.9% | 66.8%-36.0pp | 74.5%-43.7pp | 67.7%-36.8pp |
| Annual return | 9.35% | 25.59%-16.2pp | 24.94%-15.6pp | 35.65%-26.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,450 | $3,871-62.6% | $5,060-71.4% | $4,299-66.3% |
| Admin fee / account holder | $1,292 | $6,717-80.8% | $8,391-84.6% | $6,940-81.4% |