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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 | $21,158 | $46,599-54.6% | $64,101-67.0% | $75,173-71.9% |
| Participation rate | 37.3% | 65.9%-28.7pp | 72.3%-35.1pp | 67.2%-29.9pp |
| Annual return | 5.60% | 26.06%-20.5pp | 33.72%-28.1pp | 160.72%-155.1pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $484 | $2,837-82.9% | $3,881-87.5% | $4,126-88.3% |
| Admin fee / account holder | $714 | $2,956-75.9% | $3,070-76.8% | $5,651-87.4% |