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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 | $2,944 | $51,638-94.3% | $68,368-95.7% | $82,448-96.4% |
| Participation rate | 14.6% | 63.6%-49.0pp | 73.8%-59.2pp | 68.1%-53.5pp |
| Annual return | 13.34% | 37.53%-24.2pp | 292.57%-279.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $152 | $2,914-94.8% | $4,123-96.3% | $4,139-96.3% |
| Admin fee / account holder | $747 | $4,643-83.9% | $5,150-85.5% | $7,234-89.7% |