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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 | $30,160 | $38,967-22.6% | $86,233-65.0% | $79,634-62.1% |
| Participation rate | 2.2% | 34.1%-31.8pp | 69.0%-66.8pp | 62.5%-60.3pp |
| Annual return | 12.71% | 49.90%-37.2pp | 61.39%-48.7pp | 36.46%-23.8pp |
| Employer contribution / active EE | $0 | $868-100.0% | $2,504-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $156 | $1,663-90.6% | $4,559-96.6% | $3,835-95.9% |
| Admin fee / account holder | $1,377 | $2,660-48.2% | $8,342-83.5% | $1,002+37.5% |