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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 | $106,749-61.0% | $145,433-71.4% | $82,448-49.5% |
| Participation rate | 4.3% | 75.6%-71.4pp | 82.1%-77.9pp | 68.1%-63.8pp |
| Annual return | 12.01% | 27.59%-15.6pp | 66.58%-54.6pp | 41.64%-29.6pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $905 | $6,519-86.1% | $7,897-88.5% | $4,139-78.1% |
| Admin fee / account holder | $2,810 | $8,390-66.5% | $13,129-78.6% | $7,234-61.2% |