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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 | $10,293 | $41,016-74.9% | $152,093-93.2% | $64,097-83.9% |
| Participation rate | 16.5% | 51.3%-34.8pp | 77.8%-61.2pp | 55.2%-38.7pp |
| Annual return | 9.96% | 39.60%-29.6pp | 66.36%-56.4pp | 34.64%-24.7pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $250 | $1,927-87.0% | $5,451-95.4% | $3,080-91.9% |
| Admin fee / account holder | $728 | $2,305-68.4% | $14,497-95.0% | $3,454-78.9% |