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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 | $38,841 | $102,429-62.1% | $147,096-73.6% | $80,925-52.0% |
| Participation rate | 22.2% | 75.9%-53.6pp | 82.2%-60.0pp | 67.7%-45.4pp |
| Annual return | 11.05% | 135.02%-124.0pp | 419.75%-408.7pp | 35.65%-24.6pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,563 | $6,649-76.5% | $8,071-80.6% | $4,299-63.6% |
| Admin fee / account holder | $10,963 | $7,957+37.8% | $13,005-15.7% | $6,940+58.0% |