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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 | $37,039 | $65,555-43.5% | $86,216-57.0% | $75,173-50.7% |
| Participation rate | 44.7% | 60.5%-15.8pp | 69.0%-24.3pp | 67.2%-22.5pp |
| Annual return | 12.10% | 46.07%-34.0pp | 1169.42%-1157.3pp | 160.72%-148.6pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,198 | $3,023-60.4% | $3,986-69.9% | $4,126-71.0% |
| Admin fee / account holder | $2,594 | $5,469-52.6% | $6,853-62.1% | $5,651-54.1% |