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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 | $21,464 | $36,948-41.9% | $73,658-70.9% | $87,485-75.5% |
| Participation rate | 10.7% | 46.8%-36.1pp | 57.0%-46.3pp | 68.9%-58.2pp |
| Annual return | -2.37% | 28.64%-31.0pp | 29.72%-32.1pp | 26.06%-28.4pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $280 | $1,379-79.7% | $2,062-86.4% | $4,274-93.4% |
| Admin fee / account holder | $3,462 | $2,531+36.8% | $3,357+3.1% | $7,775-55.5% |