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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 | $20,394 | $72,471-71.9% | $94,215-78.4% | $86,983-76.6% |
| Participation rate | 21.4% | 63.9%-42.4pp | 70.0%-48.5pp | 69.5%-48.1pp |
| Annual return | 6.08% | 26.44%-20.4pp | 28.22%-22.1pp | 25.83%-19.8pp |
| Employer contribution / active EE | $0 | $1,936-100.0% | $2,675-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $868 | $3,397-74.5% | $4,276-79.7% | $4,194-79.3% |
| Admin fee / account holder | $2,034 | $6,468-68.6% | $10,216-80.1% | $7,856-74.1% |