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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 | $26,683 | $59,440-55.1% | $78,004-65.8% | $82,637-67.7% |
| Participation rate | 18.5% | 62.8%-44.3pp | 69.4%-50.9pp | 68.1%-49.5pp |
| Annual return | 2.36% | 40.24%-37.9pp | 31.07%-28.7pp | 53.51%-51.1pp |
| Employer contribution / active EE | $501 | $1,750-71.4% | $2,469-79.7% | $2,552-80.4% |
| Participant deferral / active EE | $971 | $3,138-69.1% | $4,092-76.3% | $4,126-76.5% |
| Admin fee / account holder | $518 | $5,504-90.6% | $7,578-93.2% | $7,339-92.9% |