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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 | $50,942 | $60,349-15.6% | $74,184-31.3% | $62,881-19.0% |
| Participation rate | 10.6% | 72.7%-62.1pp | 76.6%-66.0pp | 69.3%-58.7pp |
| Annual return | 1.22% | 21.38%-20.2pp | 17.74%-16.5pp | 20.14%-18.9pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $700 | $2,856-75.5% | $3,550-80.3% | $3,203-78.1% |
| Admin fee / account holder | $2,360 | $4,261-44.6% | $5,586-57.8% | $4,296-45.1% |