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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 | $43,749-31.3% | $158,223-81.0% | $65,306-54.0% |
| Participation rate | 42.5% | 56.9%-14.4pp | 79.2%-36.7pp | 57.7%-15.2pp |
| Annual return | 9.34% | 19.41%-10.1pp | 52.09%-42.7pp | 21.94%-12.6pp |
| Employer contribution / active EE | $0 | $1,497-100.0% | $4,109-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $472 | $2,019-76.6% | $5,467-91.4% | $2,959-84.1% |
| Admin fee / account holder | $2,524 | $1,930+30.8% | $16,047-84.3% | $3,480-27.5% |