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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 | $11,480 | $43,344-73.5% | $59,899-80.8% | $64,173-82.1% |
| Participation rate | 25.3% | 69.2%-43.9pp | 74.7%-49.4pp | 69.6%-44.3pp |
| Annual return | -8.73% | -1.55%-7.2pp | 3.46%-12.2pp | 7.63%-16.4pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $713 | $2,547-72.0% | $3,402-79.0% | $3,470-79.5% |
| Admin fee / account holder | $747 | $3,008-75.2% | $3,592-79.2% | $4,887-84.7% |