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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 | $34,580 | $108,825-68.2% | $156,181-77.9% | $82,448-58.1% |
| Participation rate | 23.5% | 72.4%-48.9pp | 78.8%-55.4pp | 68.1%-44.6pp |
| Annual return | 9.97% | 20.59%-10.6pp | 64.87%-54.9pp | 41.64%-31.7pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $620 | $4,577-86.5% | $6,132-89.9% | $4,139-85.0% |
| Admin fee / account holder | $6,598 | $9,341-29.4% | $14,586-54.8% | $7,234-8.8% |