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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 | $13,017 | $35,986-63.8% | $77,513-83.2% | $73,493-82.3% |
| Participation rate | 24.1% | 40.8%-16.8pp | 54.2%-30.1pp | 70.7%-46.6pp |
| Annual return | 9.95% | 19.26%-9.3pp | 54.81%-44.9pp | 28.51%-18.6pp |
| Employer contribution / active EE | $188 | $557-66.3% | $987-80.9% | $2,270-91.7% |
| Participant deferral / active EE | $211 | $1,198-82.4% | $1,861-88.7% | $3,740-94.4% |
| Admin fee / account holder | $2,195 | $466+371.2% | $2,859-23.2% | $513+327.8% |