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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 | $49,585 | $105,200-52.9% | $159,474-68.9% | $85,847-42.2% |
| Participation rate | 19.2% | 75.8%-56.5pp | 82.8%-63.6pp | 69.3%-50.1pp |
| Annual return | 10.73% | 45.08%-34.4pp | 263.68%-253.0pp | 318.61%-307.9pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,838 | $5,946-69.1% | $7,353-75.0% | $3,952-53.5% |
| Admin fee / account holder | $1,196 | $6,934-82.8% | $10,802-88.9% | $6,261-80.9% |