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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 | $28,467 | $89,367-68.1% | $141,191-79.8% | $72,975-61.0% |
| Participation rate | 48.3% | 75.1%-26.9pp | 82.5%-34.2pp | 69.5%-21.2pp |
| Annual return | 17.46% | 111.87%-94.4pp | 71.41%-54.0pp | 81.01%-63.6pp |
| Employer contribution / active EE | $745 | $3,115-76.1% | $4,736-84.3% | $2,440-69.5% |
| Participant deferral / active EE | $1,746 | $5,419-67.8% | $6,710-74.0% | $3,608-51.6% |
| Admin fee / account holder | $804 | $5,957-86.5% | $10,264-92.2% | $5,124-84.3% |