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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 | $34,558 | $101,752-66.0% | $164,928-79.0% | $80,911-57.3% |
| Participation rate | 40.3% | 71.8%-31.6pp | 78.6%-38.4pp | 67.6%-27.4pp |
| Annual return | 9.83% | 16.73%-6.9pp | 70.08%-60.2pp | 35.63%-25.8pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,838 | $4,477-58.9% | $6,034-69.5% | $4,297-57.2% |
| Admin fee / account holder | $1,110 | $8,218-86.5% | $12,684-91.2% | $6,935-84.0% |