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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 | $24,579 | $85,171-71.1% | $172,752-85.8% | $72,975-66.3% |
| Participation rate | 40.4% | 70.1%-29.6pp | 82.6%-42.2pp | 69.5%-29.1pp |
| Annual return | 0.30% | 27.32%-27.0pp | 802.97%-802.7pp | 81.01%-80.7pp |
| Employer contribution / active EE | $909 | $3,324-72.7% | $5,144-82.3% | $2,440-62.8% |
| Participant deferral / active EE | $431 | $3,260-86.8% | $5,198-91.7% | $3,608-88.0% |
| Admin fee / account holder | $368 | $5,880-93.7% | $13,955-97.4% | $5,124-92.8% |