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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 | $33,583 | $77,814-56.8% | $158,223-78.8% | $86,983-61.4% |
| Participation rate | 11.9% | 68.4%-56.5pp | 79.2%-67.3pp | 69.5%-57.6pp |
| Annual return | 4.69% | 30.54%-25.9pp | 52.09%-47.4pp | 25.83%-21.1pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $358 | $3,270-89.0% | $5,467-93.4% | $4,194-91.5% |
| Admin fee / account holder | $671 | $5,879-88.6% | $16,047-95.8% | $7,856-91.5% |