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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 | $36,804 | $77,638-52.6% | $156,551-76.5% | $62,881-41.5% |
| Participation rate | 16.2% | 71.2%-55.0pp | 84.0%-67.8pp | 69.3%-53.1pp |
| Annual return | 2.38% | 50.33%-47.9pp | 32.23%-29.9pp | 20.14%-17.8pp |
| Employer contribution / active EE | $658 | $3,444-80.9% | $5,501-88.0% | $2,281-71.1% |
| Participant deferral / active EE | $741 | $3,046-75.7% | $4,871-84.8% | $3,203-76.9% |
| Admin fee / account holder | $701 | $5,561-87.4% | $13,028-94.6% | $4,296-83.7% |