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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 | $21,163 | $63,809-66.8% | $81,353-74.0% | $80,935-73.9% |
| Participation rate | 26.9% | 63.9%-37.0pp | 69.5%-42.6pp | 67.7%-40.7pp |
| Annual return | 9.85% | 16.37%-6.5pp | 24.82%-15.0pp | 35.66%-25.8pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $600 | $3,093-80.6% | $3,885-84.6% | $4,299-86.1% |
| Admin fee / account holder | $1,552 | $5,686-72.7% | $5,766-73.1% | $6,924-77.6% |