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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 | $28,295 | $65,034-56.5% | $90,970-68.9% | $79,856-64.6% |
| Participation rate | 54.2% | 61.6%-7.4pp | 69.0%-14.8pp | 69.6%-15.5pp |
| Annual return | 9.08% | 30.45%-21.4pp | 134.60%-125.5pp | 31.71%-22.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $747 | $2,512-70.3% | $3,373-77.9% | $3,741-80.0% |
| Admin fee / account holder | $477 | $4,536-89.5% | $5,961-92.0% | $5,306-91.0% |