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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 | $76,641 | $94,031-18.5% | $115,768-33.8% | $82,448-7.0% |
| Participation rate | 30.0% | 70.4%-40.4pp | 74.4%-44.4pp | 68.1%-38.1pp |
| Annual return | 11.31% | 20.61%-9.3pp | 100.46%-89.2pp | 41.64%-30.3pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $998 | $3,972-74.9% | $4,917-79.7% | $4,139-75.9% |
| Admin fee / account holder | $5,440 | $10,249-46.9% | $12,439-56.3% | $7,234-24.8% |