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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 | $28,414 | $65,395-56.6% | $182,531-84.4% | $72,983-61.1% |
| Participation rate | 44.4% | 65.4%-21.0pp | 78.0%-33.5pp | 69.5%-25.0pp |
| Annual return | 17.73% | 27.68%-10.0pp | 148.57%-130.8pp | 81.01%-63.3pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,075-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,074 | $3,563-69.8% | $5,525-80.6% | $3,608-70.2% |
| Admin fee / account holder | $2,481 | $4,245-41.5% | $8,593-71.1% | $5,124-51.6% |