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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 | $8,020 | $63,703-87.4% | $93,063-91.4% | $82,448-90.3% |
| Participation rate | 40.0% | 63.8%-23.8pp | 72.1%-32.1pp | 68.1%-28.1pp |
| Annual return | 11.76% | -775.43%+787.2pp | 34.15%-22.4pp | 41.64%-29.9pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,476-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $655 | $2,919-77.5% | $3,958-83.4% | $4,139-84.2% |
| Admin fee / account holder | $647 | $5,982-89.2% | $6,033-89.3% | $7,234-91.1% |