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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 | $20,591 | $66,275-68.9% | $163,379-87.4% | $64,097-67.9% |
| Participation rate | 10.0% | 54.1%-44.1pp | 76.8%-66.8pp | 55.2%-45.2pp |
| Annual return | 11.60% | 32.72%-21.1pp | 63.41%-51.8pp | 34.64%-23.0pp |
| Employer contribution / active EE | $0 | $1,521-100.0% | $3,752-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $667 | $3,126-78.7% | $6,282-89.4% | $3,080-78.3% |
| Admin fee / account holder | $1,718 | $4,569-62.4% | $9,818-82.5% | $3,454-50.3% |