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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 | $12,042 | $85,060-85.8% | $70,565-82.9% | $139,487-91.4% |
| Participation rate | 9.1% | 73.9%-64.8pp | 68.4%-59.3pp | 80.3%-71.2pp |
| Annual return | 4.03% | 30.39%-26.4pp | 32.79%-28.8pp | 373.84%-369.8pp |
| Employer contribution / active EE | $0 | $3,912-100.0% | $2,976-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $814 | $5,891-86.2% | $4,568-82.2% | $6,713-87.9% |
| Admin fee / account holder | $1,036 | $8,932-88.4% | $6,430-83.9% | $11,407-90.9% |