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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 | $38,882 | $48,364-19.6% | $71,796-45.8% | $62,881-38.2% |
| Participation rate | 14.7% | 60.6%-45.9pp | 69.1%-54.4pp | 69.3%-54.6pp |
| Annual return | 3.34% | 13.16%-9.8pp | 78.04%-74.7pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $665 | $2,091-68.2% | $2,794-76.2% | $3,203-79.2% |
| Admin fee / account holder | $4,038 | $3,771+7.1% | $4,815-16.1% | $4,296-6.0% |