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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 | $13,963 | $49,791-72.0% | $78,210-82.1% | $70,126-80.1% |
| Participation rate | 12.0% | 62.3%-50.3pp | 68.7%-56.7pp | 69.5%-57.5pp |
| Annual return | 0.06% | 20.75%-20.7pp | 40.90%-40.8pp | 73.15%-73.1pp |
| Employer contribution / active EE | $0 | $1,430-100.0% | $2,034-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $784 | $2,150-63.6% | $2,823-72.2% | $3,332-76.5% |
| Admin fee / account holder | $2,416 | $3,181-24.0% | $3,758-35.7% | $4,645-48.0% |