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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 | $39,809 | $85,171-53.3% | $172,753-77.0% | $72,976-45.4% |
| Participation rate | 33.8% | 70.1%-36.3pp | 82.6%-48.9pp | 69.5%-35.7pp |
| Annual return | 5.77% | 27.32%-21.6pp | 803.00%-797.2pp | 81.02%-75.2pp |
| Employer contribution / active EE | $1,155 | $3,324-65.3% | $5,144-77.5% | $2,440-52.7% |
| Participant deferral / active EE | $361 | $3,260-88.9% | $5,198-93.1% | $3,608-90.0% |
| Admin fee / account holder | $1,121 | $5,880-80.9% | $13,956-92.0% | $5,124-78.1% |