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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 | $24,888 | $74,535-66.6% | $100,712-75.3% | $82,637-69.9% |
| Participation rate | 10.6% | 61.2%-50.6pp | 69.3%-58.7pp | 68.1%-57.4pp |
| Annual return | 8.10% | 18.92%-10.8pp | 33.27%-25.2pp | 53.51%-45.4pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $660 | $3,074-78.5% | $4,085-83.9% | $4,126-84.0% |
| Admin fee / account holder | $2,740 | $6,576-58.3% | $9,256-70.4% | $7,339-62.7% |