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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 | $45,853 | $45,343+1.1% | $150,298-69.5% | $67,986-32.6% |
| Participation rate | 16.8% | 51.9%-35.1pp | 77.8%-61.0pp | 57.2%-40.4pp |
| Annual return | 5.47% | 33.28%-27.8pp | 62.79%-57.3pp | 31.67%-26.2pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $388 | $2,055-81.1% | $5,453-92.9% | $3,358-88.4% |
| Admin fee / account holder | $505 | $2,250-77.6% | $14,116-96.4% | $3,203-84.2% |