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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 | $43,708 | $70,666-38.1% | $169,385-74.2% | $75,181-41.9% |
| Participation rate | 62.0% | 64.8%-2.8pp | 77.2%-15.2pp | 67.2%-5.2pp |
| Annual return | 12.03% | 36.37%-24.3pp | 405.82%-393.8pp | 160.69%-148.7pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,298 | $4,308-69.9% | $6,221-79.1% | $4,126-68.5% |
| Admin fee / account holder | $2,499 | $5,402-53.7% | $9,011-72.3% | $5,650-55.8% |