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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 | $52,717 | $58,828-10.4% | $78,002-32.4% | $62,881-16.2% |
| Participation rate | 59.3% | 71.1%-11.8pp | 75.5%-16.3pp | 69.3%-10.0pp |
| Annual return | 4.46% | 17.16%-12.7pp | 425.99%-421.5pp | 20.14%-15.7pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $332 | $2,686-87.6% | $3,497-90.5% | $3,203-89.6% |
| Admin fee / account holder | $2,855 | $4,393-35.0% | $5,481-47.9% | $4,296-33.5% |