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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 | $15,657 | $60,119-74.0% | $90,430-82.7% | $79,858-80.4% |
| Participation rate | 30.6% | 65.0%-34.4pp | 72.7%-42.1pp | 69.6%-39.0pp |
| Annual return | 5.64% | 71.94%-66.3pp | 1293.73%-1288.1pp | 31.72%-26.1pp |
| Employer contribution / active EE | $269 | $2,068-87.0% | $3,262-91.8% | $2,471-89.1% |
| Participant deferral / active EE | $674 | $2,938-77.1% | $3,963-83.0% | $3,740-82.0% |
| Admin fee / account holder | $4,341 | $3,976+9.2% | $5,613-22.7% | $5,306-18.2% |