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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 | $37,682 | $67,411-44.1% | $91,004-58.6% | $70,124-46.3% |
| Participation rate | 31.3% | 71.4%-40.1pp | 75.6%-44.4pp | 69.5%-38.3pp |
| Annual return | 11.24% | -40.16%+51.4pp | 4.60%+6.6pp | 73.14%-61.9pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $690 | $2,823-75.5% | $3,548-80.5% | $3,332-79.3% |
| Admin fee / account holder | $1,207 | $4,236-71.5% | $5,417-77.7% | $4,645-74.0% |