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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 | $11,856 | $77,814-84.8% | $158,223-92.5% | $86,983-86.4% |
| Participation rate | 39.0% | 68.4%-29.5pp | 79.2%-40.2pp | 69.5%-30.6pp |
| Annual return | 3.37% | 30.54%-27.2pp | 52.09%-48.7pp | 25.83%-22.5pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $808 | $3,270-75.3% | $5,467-85.2% | $4,194-80.7% |
| Admin fee / account holder | $1,657 | $5,879-71.8% | $16,047-89.7% | $7,856-78.9% |