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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 | $15,215 | $48,078-68.4% | $78,676-80.7% | $62,881-75.8% |
| Participation rate | 6.3% | 65.2%-59.0pp | 73.6%-67.3pp | 69.3%-63.1pp |
| Annual return | 3.39% | 31.36%-28.0pp | 62.19%-58.8pp | 20.14%-16.8pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $459 | $2,587-82.3% | $3,517-86.9% | $3,203-85.7% |
| Admin fee / account holder | $2,781 | $3,206-13.3% | $4,510-38.3% | $4,296-35.3% |