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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 | $32,470 | $64,324-49.5% | $118,946-72.7% | $79,852-59.3% |
| Participation rate | 29.0% | 64.9%-35.8pp | 75.4%-46.4pp | 69.6%-40.6pp |
| Annual return | 6.06% | 86.45%-80.4pp | 35.89%-29.8pp | 31.72%-25.7pp |
| Employer contribution / active EE | $1,116 | $1,836-39.2% | $3,263-65.8% | $2,471-54.8% |
| Participant deferral / active EE | $838 | $2,824-70.3% | $4,266-80.3% | $3,740-77.6% |
| Admin fee / account holder | $671 | $4,040-83.4% | $6,581-89.8% | $5,306-87.4% |