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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 | $77,814-59.6% | $158,223-80.1% | $86,983-63.8% |
| Participation rate | 25.0% | 68.4%-43.4pp | 79.2%-54.2pp | 69.5%-44.5pp |
| Annual return | 10.84% | 30.54%-19.7pp | 52.09%-41.3pp | 25.83%-15.0pp |
| Employer contribution / active EE | $484 | $2,592-81.3% | $4,109-88.2% | $2,584-81.3% |
| Participant deferral / active EE | $175 | $3,270-94.6% | $5,467-96.8% | $4,194-95.8% |
| Admin fee / account holder | $451 | $5,879-92.3% | $16,047-97.2% | $7,856-94.3% |