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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 | $69,627 | $65,364+6.5% | $92,909-25.1% | $72,975-4.6% |
| Participation rate | 25.5% | 68.3%-42.8pp | 76.0%-50.5pp | 69.5%-44.0pp |
| Annual return | 0.13% | 42.11%-42.0pp | 109.44%-109.3pp | 81.01%-80.9pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $771 | $3,128-75.4% | $4,238-81.8% | $3,608-78.6% |
| Admin fee / account holder | $2,746 | $4,251-35.4% | $5,795-52.6% | $5,124-46.4% |