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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 | $45,614 | $101,950-55.3% | $125,529-63.7% | $86,983-47.6% |
| Participation rate | 40.0% | 70.2%-30.2pp | 74.7%-34.7pp | 69.5%-29.5pp |
| Annual return | 3.62% | 18.29%-14.7pp | 202.56%-198.9pp | 25.83%-22.2pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,108 | $3,862-71.3% | $4,813-77.0% | $4,194-73.6% |
| Admin fee / account holder | $526 | $12,791-95.9% | $16,298-96.8% | $7,856-93.3% |