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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 | $67,899 | $76,407-11.1% | $150,298-54.8% | $82,448-17.6% |
| Participation rate | 10.4% | 66.4%-56.0pp | 77.8%-67.4pp | 68.1%-57.7pp |
| Annual return | 10.13% | 39.99%-29.9pp | 62.79%-52.7pp | 41.64%-31.5pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $615 | $3,214-80.9% | $5,453-88.7% | $4,139-85.1% |
| Admin fee / account holder | $1,409 | $6,352-77.8% | $14,116-90.0% | $7,234-80.5% |