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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 | $31,043 | $77,638-60.0% | $156,551-80.2% | $62,881-50.6% |
| Participation rate | 36.0% | 71.2%-35.2pp | 84.0%-48.0pp | 69.3%-33.3pp |
| Annual return | 3.96% | 50.33%-46.4pp | 32.23%-28.3pp | 20.14%-16.2pp |
| Employer contribution / active EE | $441 | $3,444-87.2% | $5,501-92.0% | $2,281-80.6% |
| Participant deferral / active EE | $659 | $3,046-78.4% | $4,871-86.5% | $3,203-79.4% |
| Admin fee / account holder | $704 | $5,561-87.3% | $13,028-94.6% | $4,296-83.6% |