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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 | $23,880 | $41,150-42.0% | $80,607-70.4% | $71,495-66.6% |
| Participation rate | 19.5% | 50.3%-30.8pp | 67.0%-47.5pp | 67.9%-48.4pp |
| Annual return | 13.16% | 38.48%-25.3pp | 936.11%-923.0pp | 28.85%-15.7pp |
| Employer contribution / active EE | $434 | $1,515-71.3% | $2,724-84.1% | $2,589-83.2% |
| Participant deferral / active EE | $606 | $2,701-77.6% | $4,448-86.4% | $4,291-85.9% |
| Admin fee / account holder | $373 | $1,841-79.7% | $5,379-93.1% | $1,588-76.5% |