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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 | $49,148 | $127,790-61.5% | $106,554-53.9% | $167,553-70.7% |
| Participation rate | 56.5% | 78.3%-21.8pp | 76.1%-19.6pp | 82.1%-25.6pp |
| Annual return | 6.78% | 33.88%-27.1pp | 26.80%-20.0pp | 478.89%-472.1pp |
| Employer contribution / active EE | $0 | $3,427-100.0% | $2,819-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $1,295 | $5,088-74.5% | $4,398-70.5% | $6,343-79.6% |
| Admin fee / account holder | $2,339 | $11,231-79.2% | $7,408-68.4% | $12,316-81.0% |