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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 | $41,704 | $61,816-32.5% | $97,260-57.1% | $80,935-48.5% |
| Participation rate | 33.3% | 63.5%-30.1pp | 72.7%-39.3pp | 67.7%-34.3pp |
| Annual return | 7.70% | -558.73%+566.4pp | 75.54%-67.8pp | 35.66%-28.0pp |
| Employer contribution / active EE | $870 | $1,836-52.6% | $2,721-68.0% | $2,757-68.4% |
| Participant deferral / active EE | $916 | $3,027-69.7% | $4,262-78.5% | $4,299-78.7% |
| Admin fee / account holder | $450 | $5,166-91.3% | $5,640-92.0% | $6,924-93.5% |