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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 | $28,967 | $61,125-52.6% | $94,057-69.2% | $87,485-66.9% |
| Participation rate | 31.7% | 64.1%-32.4pp | 73.3%-41.6pp | 68.9%-37.2pp |
| Annual return | 11.41% | 35.20%-23.8pp | 480.62%-469.2pp | 26.06%-14.6pp |
| Employer contribution / active EE | $377 | $2,136-82.4% | $2,933-87.1% | $2,596-85.5% |
| Participant deferral / active EE | $775 | $3,260-76.2% | $4,709-83.5% | $4,274-81.9% |
| Admin fee / account holder | $5,039 | $5,629-10.5% | $7,244-30.4% | $7,775-35.2% |