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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 | $61,049 | $100,194-39.1% | $122,979-50.4% | $86,983-29.8% |
| Participation rate | 34.2% | 73.0%-38.8pp | 77.2%-43.0pp | 69.5%-35.3pp |
| Annual return | 9.55% | 16.47%-6.9pp | 20.12%-10.6pp | 25.83%-16.3pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,814 | $4,133-56.1% | $5,003-63.7% | $4,194-56.7% |
| Admin fee / account holder | $313 | $10,148-96.9% | $12,864-97.6% | $7,856-96.0% |