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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 | $34,444 | $135,956-74.7% | $123,894-72.2% | $273,972-87.4% |
| Participation rate | 23.1% | 84.1%-61.0pp | 81.4%-58.3pp | 83.0%-59.9pp |
| Annual return | -2.34% | 56.63%-59.0pp | 47.52%-49.9pp | 41.46%-43.8pp |
| Employer contribution / active EE | $0 | $5,170-100.0% | $4,617-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,504 | $6,343-76.3% | $5,984-74.9% | $5,287-71.6% |
| Admin fee / account holder | $3,583 | $9,817-63.5% | $8,357-57.1% | $10,133-64.6% |