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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 | $31,782 | $58,627-45.8% | $76,735-58.6% | $82,448-61.5% |
| Participation rate | 4.0% | 63.2%-59.2pp | 69.5%-65.5pp | 68.1%-64.1pp |
| Annual return | 12.95% | 39.10%-26.2pp | 29.77%-16.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $106 | $3,134-96.6% | $4,088-97.4% | $4,139-97.4% |
| Admin fee / account holder | $342 | $5,323-93.6% | $7,189-95.2% | $7,234-95.3% |