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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 | $38,613 | $105,856-63.5% | $90,161-57.2% | $147,586-73.8% |
| Participation rate | 15.8% | 79.7%-63.9pp | 76.9%-61.1pp | 82.8%-67.0pp |
| Annual return | 6.65% | 37.63%-31.0pp | 34.89%-28.2pp | 578.59%-571.9pp |
| Employer contribution / active EE | $0 | $4,126-100.0% | $3,318-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $115 | $5,733-98.0% | $5,287-97.8% | $5,439-97.9% |
| Admin fee / account holder | $3,225 | $8,046-59.9% | $5,943-45.7% | $10,886-70.4% |