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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 | $44,392 | $86,940-48.9% | $102,434-56.7% | $80,935-45.2% |
| Participation rate | 25.6% | 72.4%-46.7pp | 76.5%-50.9pp | 67.7%-42.0pp |
| Annual return | 10.03% | 18.89%-8.9pp | 29.46%-19.4pp | 35.66%-25.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,224 | $4,121-70.3% | $5,055-75.8% | $4,299-71.5% |
| Admin fee / account holder | $1,013 | $8,047-87.4% | $9,462-89.3% | $6,924-85.4% |