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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 | $63,655 | $77,814-18.2% | $158,223-59.8% | $86,983-26.8% |
| Participation rate | 26.2% | 68.4%-42.3pp | 79.2%-53.0pp | 69.5%-43.4pp |
| Annual return | 9.18% | 30.54%-21.4pp | 52.09%-42.9pp | 25.83%-16.7pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $620 | $3,270-81.0% | $5,467-88.7% | $4,194-85.2% |
| Admin fee / account holder | $14,551 | $5,879+147.5% | $16,047-9.3% | $7,856+85.2% |