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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 | $78,690-13.7% | $161,489-58.0% | $87,485-22.4% |
| Participation rate | 10.4% | 67.5%-57.1pp | 78.7%-68.3pp | 68.9%-58.5pp |
| Annual return | 10.13% | 32.74%-22.6pp | 89.72%-79.6pp | 26.06%-15.9pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $615 | $3,311-81.4% | $5,630-89.1% | $4,274-85.6% |
| Admin fee / account holder | $1,409 | $6,724-79.1% | $16,006-91.2% | $7,775-81.9% |