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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 | $52,568 | $69,977-24.9% | $108,582-51.6% | $62,881-16.4% |
| Participation rate | 22.2% | 72.9%-50.7pp | 79.6%-57.3pp | 69.3%-47.1pp |
| Annual return | 2.88% | 10.73%-7.8pp | -51.70%+54.6pp | 20.14%-17.3pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $779 | $3,165-75.4% | $4,311-81.9% | $3,203-75.7% |
| Admin fee / account holder | $2,935 | $5,076-42.2% | $7,645-61.6% | $4,296-31.7% |