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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 | $38,992 | $101,950-61.8% | $125,529-68.9% | $86,983-55.2% |
| Participation rate | 56.0% | 70.2%-14.2pp | 74.7%-18.7pp | 69.5%-13.5pp |
| Annual return | 8.92% | 18.29%-9.4pp | 202.56%-193.6pp | 25.83%-16.9pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,046 | $3,862-72.9% | $4,813-78.3% | $4,194-75.1% |
| Admin fee / account holder | $1,985 | $12,791-84.5% | $16,298-87.8% | $7,856-74.7% |