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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 | $43,005 | $75,183-42.8% | $123,894-65.3% | $55,167-22.0% |
| Participation rate | 4.0% | 72.8%-68.9pp | 81.4%-77.5pp | 69.0%-65.0pp |
| Annual return | 1.25% | 19.01%-17.8pp | 47.52%-46.3pp | 169.23%-168.0pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $668 | $5,084-86.9% | $5,984-88.8% | $3,054-78.1% |
| Admin fee / account holder | $1,949 | $663+194.1% | $8,357-76.7% | $504+286.7% |