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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 | $41,611 | $106,524-60.9% | $152,301-72.7% | $87,485-52.4% |
| Participation rate | 4.3% | 75.8%-71.5pp | 82.4%-78.2pp | 68.9%-64.7pp |
| Annual return | 12.01% | 26.89%-14.9pp | 80.50%-68.5pp | 26.06%-14.0pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $905 | $6,525-86.1% | $8,004-88.7% | $4,274-78.8% |
| Admin fee / account holder | $2,810 | $8,287-66.1% | $14,398-80.5% | $7,775-63.9% |