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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 | $12,126 | $64,920-81.3% | $103,693-88.3% | $86,983-86.1% |
| Participation rate | 12.2% | 63.6%-51.4pp | 72.6%-60.4pp | 69.5%-57.3pp |
| Annual return | -0.70% | 30.29%-31.0pp | 47.61%-48.3pp | 25.83%-26.5pp |
| Employer contribution / active EE | $178 | $2,141-91.7% | $2,920-93.9% | $2,584-93.1% |
| Participant deferral / active EE | $237 | $3,241-92.7% | $4,579-94.8% | $4,194-94.3% |
| Admin fee / account holder | $16,968 | $6,191+174.1% | $7,858+115.9% | $7,856+116.0% |