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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 | $30,059 | $41,016-26.7% | $152,093-80.2% | $64,097-53.1% |
| Participation rate | 42.5% | 51.3%-8.9pp | 77.8%-35.3pp | 55.2%-12.7pp |
| Annual return | 9.34% | 39.60%-30.3pp | 66.36%-57.0pp | 34.64%-25.3pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $472 | $1,927-75.5% | $5,451-91.3% | $3,080-84.7% |
| Admin fee / account holder | $2,524 | $2,305+9.5% | $14,497-82.6% | $3,454-26.9% |