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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 | $56,124 | $65,395-14.2% | $182,540-69.3% | $72,975-23.1% |
| Participation rate | 16.9% | 65.4%-48.6pp | 78.0%-61.1pp | 69.5%-52.6pp |
| Annual return | 16.20% | 27.68%-11.5pp | 148.58%-132.4pp | 81.01%-64.8pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $517 | $3,563-85.5% | $5,525-90.6% | $3,608-85.7% |
| Admin fee / account holder | $402 | $4,245-90.5% | $8,593-95.3% | $5,124-92.2% |