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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 | $38,463 | $56,894-32.4% | $84,753-54.6% | $62,881-38.8% |
| Participation rate | 17.1% | 68.5%-51.4pp | 76.6%-59.5pp | 69.3%-52.2pp |
| Annual return | 3.55% | 6.30%-2.8pp | 22.78%-19.2pp | 20.14%-16.6pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $133 | $2,709-95.1% | $3,712-96.4% | $3,203-95.8% |
| Admin fee / account holder | $1,479 | $3,581-58.7% | $5,333-72.3% | $4,296-65.6% |