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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 | $42,809 | $118,875-64.0% | $96,572-55.7% | $167,553-74.5% |
| Participation rate | 22.2% | 75.5%-53.3pp | 69.8%-47.6pp | 82.1%-59.9pp |
| Annual return | 6.37% | 50.50%-44.1pp | 37.79%-31.4pp | 478.89%-472.5pp |
| Employer contribution / active EE | $0 | $3,121-100.0% | $2,357-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $988 | $4,617-78.6% | $3,850-74.3% | $6,343-84.4% |
| Admin fee / account holder | $568 | $8,070-93.0% | $6,183-90.8% | $12,316-95.4% |