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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 | $13,039 | $78,690-83.4% | $161,489-91.9% | $87,485-85.1% |
| Participation rate | 18.4% | 67.5%-49.0pp | 78.7%-60.3pp | 68.9%-50.5pp |
| Annual return | 9.67% | 32.74%-23.1pp | 89.72%-80.0pp | 26.06%-16.4pp |
| Employer contribution / active EE | $397 | $2,588-84.7% | $4,268-90.7% | $2,596-84.7% |
| Participant deferral / active EE | $891 | $3,311-73.1% | $5,630-84.2% | $4,274-79.1% |
| Admin fee / account holder | $1,004 | $6,724-85.1% | $16,006-93.7% | $7,775-87.1% |