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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 | $36,506 | $78,425-53.5% | $95,956-62.0% | $79,858-54.3% |
| Participation rate | 31.8% | 73.5%-41.7pp | 77.1%-45.3pp | 69.6%-37.8pp |
| Annual return | 9.80% | 19.37%-9.6pp | 91.63%-81.8pp | 31.72%-21.9pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $950 | $3,440-72.4% | $4,167-77.2% | $3,740-74.6% |
| Admin fee / account holder | $2,931 | $5,622-47.9% | $6,797-56.9% | $5,306-44.8% |