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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 | $40,397 | $78,690-48.7% | $161,489-75.0% | $87,485-53.8% |
| Participation rate | 52.3% | 67.5%-15.2pp | 78.7%-26.4pp | 68.9%-16.7pp |
| Annual return | 6.30% | 32.74%-26.4pp | 89.72%-83.4pp | 26.06%-19.8pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $670 | $3,311-79.7% | $5,630-88.1% | $4,274-84.3% |
| Admin fee / account holder | $2,260 | $6,724-66.4% | $16,006-85.9% | $7,775-70.9% |