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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 | $46,685 | $110,093-57.6% | $97,295-52.0% | $145,897-68.0% |
| Participation rate | 27.3% | 75.9%-48.6pp | 72.7%-45.4pp | 80.3%-53.0pp |
| Annual return | 3.69% | 244.76%-241.1pp | 75.62%-71.9pp | 552.29%-548.6pp |
| Employer contribution / active EE | $0 | $3,077-100.0% | $2,723-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $543 | $4,678-88.4% | $4,264-87.3% | $6,689-91.9% |
| Admin fee / account holder | $2,763 | $6,212-55.5% | $5,646-51.1% | $13,390-79.4% |