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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 | $29,227 | $45,082-35.2% | $69,464-57.9% | $72,975-60.0% |
| Participation rate | 3.8% | 68.5%-64.7pp | 74.6%-70.8pp | 69.5%-65.7pp |
| Annual return | 2.59% | 22.66%-20.1pp | 28.98%-26.4pp | 81.01%-78.4pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,779-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $529 | $2,604-79.7% | $3,536-85.0% | $3,608-85.3% |
| Admin fee / account holder | $29,921 | $3,057+878.8% | $3,840+679.2% | $5,124+483.9% |