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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 | $19,781 | $40,479-51.1% | $78,210-74.7% | $62,293-68.2% |
| Participation rate | 19.8% | 54.6%-34.8pp | 68.7%-48.9pp | 69.5%-49.7pp |
| Annual return | 12.79% | 66.31%-53.5pp | 40.90%-28.1pp | 28.90%-16.1pp |
| Employer contribution / active EE | $267 | $1,024-73.9% | $2,034-86.9% | $2,042-86.9% |
| Participant deferral / active EE | $494 | $1,718-71.3% | $2,823-82.5% | $3,169-84.4% |
| Admin fee / account holder | $1,110 | $376+195.0% | $3,758-70.5% | $479+131.5% |