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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 | $76,407-16.7% | $150,298-57.6% | $82,448-22.8% |
| Participation rate | 26.2% | 66.4%-40.2pp | 77.8%-51.6pp | 68.1%-41.9pp |
| Annual return | 9.18% | 39.99%-30.8pp | 62.79%-53.6pp | 41.64%-32.5pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $620 | $3,214-80.7% | $5,453-88.6% | $4,139-85.0% |
| Admin fee / account holder | $14,551 | $6,352+129.1% | $14,116+3.1% | $7,234+101.1% |