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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 | $34,783 | $77,901-55.3% | $149,717-76.8% | $75,181-53.7% |
| Participation rate | 43.3% | 65.6%-22.2pp | 78.8%-35.4pp | 67.2%-23.9pp |
| Annual return | 12.61% | 31.73%-19.1pp | 134.41%-121.8pp | 160.69%-148.1pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $807 | $3,411-76.3% | $5,682-85.8% | $4,126-80.4% |
| Admin fee / account holder | $1,057 | $5,949-82.2% | $13,213-92.0% | $5,650-81.3% |