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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 | $18,830 | $51,207-63.2% | $70,565-73.3% | $75,177-75.0% |
| Participation rate | 19.4% | 61.0%-41.5pp | 68.4%-48.9pp | 67.2%-47.8pp |
| Annual return | 7.39% | 30.05%-22.7pp | 32.79%-25.4pp | 160.75%-153.4pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $792 | $2,850-72.2% | $4,568-82.7% | $4,126-80.8% |
| Admin fee / account holder | $390 | $4,097-90.5% | $6,430-93.9% | $5,651-93.1% |