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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 | $68,498 | $98,776-30.7% | $149,745-54.3% | $79,856-14.2% |
| Participation rate | 16.0% | 75.8%-59.8pp | 82.5%-66.5pp | 69.6%-53.6pp |
| Annual return | 12.13% | 27.38%-15.2pp | 276.72%-264.6pp | 31.71%-19.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,088 | $5,681-63.3% | $6,843-69.5% | $3,741-44.2% |
| Admin fee / account holder | $6,567 | $6,053+8.5% | $9,312-29.5% | $5,306+23.8% |