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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 | $31,453 | $78,690-60.0% | $161,489-80.5% | $87,485-64.0% |
| Participation rate | 25.0% | 67.5%-42.5pp | 78.7%-53.7pp | 68.9%-43.9pp |
| Annual return | 10.84% | 32.74%-21.9pp | 89.72%-78.9pp | 26.06%-15.2pp |
| Employer contribution / active EE | $484 | $2,588-81.3% | $4,268-88.7% | $2,596-81.3% |
| Participant deferral / active EE | $175 | $3,311-94.7% | $5,630-96.9% | $4,274-95.9% |
| Admin fee / account holder | $451 | $6,724-93.3% | $16,006-97.2% | $7,775-94.2% |