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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 | $14,828 | $61,815-76.0% | $97,295-84.8% | $80,959-81.7% |
| Participation rate | 26.2% | 63.5%-37.2pp | 72.7%-46.4pp | 67.7%-41.4pp |
| Annual return | 8.07% | -558.73%+566.8pp | 75.62%-67.6pp | 35.67%-27.6pp |
| Employer contribution / active EE | $435 | $1,836-76.3% | $2,723-84.0% | $2,757-84.2% |
| Participant deferral / active EE | $906 | $3,027-70.1% | $4,264-78.7% | $4,300-78.9% |
| Admin fee / account holder | $3,731 | $5,166-27.8% | $5,646-33.9% | $6,925-46.1% |