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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 | $25,640 | $67,411-62.0% | $91,004-71.8% | $70,126-63.4% |
| Participation rate | 19.0% | 71.4%-52.3pp | 75.6%-56.6pp | 69.5%-50.5pp |
| Annual return | 11.59% | -40.16%+51.8pp | 4.60%+7.0pp | 73.15%-61.6pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $835 | $2,823-70.4% | $3,548-76.4% | $3,332-74.9% |
| Admin fee / account holder | $941 | $4,236-77.8% | $5,417-82.6% | $4,645-79.7% |