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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 | $21,737 | $46,596-53.3% | $64,099-66.1% | $75,181-71.1% |
| Participation rate | 20.9% | 65.9%-45.1pp | 72.3%-51.4pp | 67.2%-46.3pp |
| Annual return | 9.95% | 26.04%-16.1pp | 33.70%-23.7pp | 160.69%-150.7pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $227 | $2,837-92.0% | $3,881-94.1% | $4,126-94.5% |
| Admin fee / account holder | $473 | $2,954-84.0% | $3,070-84.6% | $5,650-91.6% |