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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 | $27,953 | $56,110-50.2% | $94,993-70.6% | $70,126-60.1% |
| Participation rate | 65.5% | 65.0%+0.5pp | 73.9%-8.4pp | 69.5%-4.0pp |
| Annual return | 10.52% | 51.02%-40.5pp | 27.14%-16.6pp | 73.15%-62.6pp |
| Employer contribution / active EE | $0 | $1,442-100.0% | $2,603-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $774 | $2,391-67.6% | $3,317-76.7% | $3,332-76.8% |
| Admin fee / account holder | $1,391 | $3,456-59.7% | $4,960-72.0% | $4,645-70.0% |