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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 | $25,300 | $63,082-59.9% | $81,726-69.0% | $79,856-68.3% |
| Participation rate | 14.3% | 67.5%-53.2pp | 72.0%-57.7pp | 69.6%-55.4pp |
| Annual return | -1.43% | 22.66%-24.1pp | 29.49%-30.9pp | 31.71%-33.1pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $990 | $2,780-64.4% | $7,108-86.1% | $3,741-73.5% |
| Admin fee / account holder | $4,325 | $4,428-2.3% | $5,160-16.2% | $5,306-18.5% |