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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 | $63,354-87.3% | $94,105-91.5% | $82,637-90.3% |
| Participation rate | 40.0% | 63.8%-23.8pp | 71.9%-31.9pp | 68.1%-28.1pp |
| Annual return | 11.76% | 34.36%-22.6pp | 204.55%-192.8pp | 53.51%-41.7pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $2,504-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $655 | $2,873-77.2% | $3,881-83.1% | $4,126-84.1% |
| Admin fee / account holder | $647 | $5,073-87.2% | $6,199-89.6% | $7,339-91.2% |