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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 | $33,390 | $76,696-56.5% | $96,538-65.4% | $71,529-53.3% |
| Participation rate | 2.8% | 66.6%-63.8pp | 74.3%-71.5pp | 67.9%-65.1pp |
| Annual return | 13.67% | 48.32%-34.6pp | 35.74%-22.1pp | 28.97%-15.3pp |
| Employer contribution / active EE | $0 | $3,032-100.0% | $3,740-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $194 | $3,770-94.8% | $4,880-96.0% | $4,291-95.5% |
| Admin fee / account holder | $1,009 | $2,030-50.3% | $6,737-85.0% | $1,588-36.5% |