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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 | $42,532 | $87,106-51.2% | $105,607-59.7% | $80,935-47.5% |
| Participation rate | 3.9% | 70.4%-66.5pp | 75.3%-71.4pp | 67.7%-63.7pp |
| Annual return | -1.12% | 17.01%-18.1pp | 116.11%-117.2pp | 35.66%-36.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $305 | $3,986-92.4% | $5,011-93.9% | $4,299-92.9% |
| Admin fee / account holder | $2,504 | $8,447-70.4% | $10,958-77.2% | $6,924-63.8% |