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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 | $42,443 | $77,817-45.5% | $123,553-65.6% | $64,173-33.9% |
| Participation rate | 23.1% | 74.7%-51.6pp | 82.3%-59.2pp | 69.6%-46.5pp |
| Annual return | -9.27% | 12.49%-21.8pp | 119.21%-128.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,575 | $5,240-69.9% | $6,426-75.5% | $3,470-54.6% |
| Admin fee / account holder | $1,184 | $5,519-78.6% | $9,284-87.3% | $4,887-75.8% |