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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 | $70,268 | $73,978-5.0% | $96,515-27.2% | $75,173-6.5% |
| Participation rate | 11.4% | 66.4%-55.1pp | 74.3%-63.0pp | 67.2%-55.8pp |
| Annual return | -2.51% | 26.72%-29.2pp | 35.73%-38.2pp | 160.72%-163.2pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $890 | $3,660-75.7% | $4,880-81.8% | $4,126-78.4% |
| Admin fee / account holder | $2,024 | $5,219-61.2% | $6,735-70.0% | $5,651-64.2% |