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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 | $38,307 | $48,364-20.8% | $71,796-46.6% | $62,881-39.1% |
| Participation rate | 6.3% | 60.6%-54.4pp | 69.1%-62.9pp | 69.3%-63.1pp |
| Annual return | 3.89% | 13.16%-9.3pp | 78.04%-74.1pp | 20.14%-16.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $206 | $2,091-90.2% | $2,794-92.6% | $3,203-93.6% |
| Admin fee / account holder | $856 | $3,771-77.3% | $4,815-82.2% | $4,296-80.1% |