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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 | $23,918 | $56,110-57.4% | $94,993-74.8% | $70,126-65.9% |
| Participation rate | 24.4% | 65.0%-40.6pp | 73.9%-49.5pp | 69.5%-45.2pp |
| Annual return | 11.35% | 51.02%-39.7pp | 27.14%-15.8pp | 73.15%-61.8pp |
| Employer contribution / active EE | $0 | $1,442-100.0% | $2,603-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $252 | $2,391-89.5% | $3,317-92.4% | $3,332-92.4% |
| Admin fee / account holder | $768 | $3,456-77.8% | $4,960-84.5% | $4,645-83.5% |