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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 | $52,067 | $77,816-33.1% | $123,552-57.9% | $64,173-18.9% |
| Participation rate | 30.5% | 74.7%-44.2pp | 82.3%-51.8pp | 69.6%-39.1pp |
| Annual return | -8.53% | 12.49%-21.0pp | 119.20%-127.7pp | 7.63%-16.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,961 | $5,240-62.6% | $6,426-69.5% | $3,470-43.5% |
| Admin fee / account holder | $1,093 | $5,519-80.2% | $9,285-88.2% | $4,887-77.6% |