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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 | $12,282 | $58,311-78.9% | $81,882-85.0% | $80,959-84.8% |
| Participation rate | 44.0% | 63.5%-19.5pp | 72.4%-28.4pp | 67.7%-23.7pp |
| Annual return | 10.55% | 41.85%-31.3pp | 779.47%-768.9pp | 35.67%-25.1pp |
| Employer contribution / active EE | $490 | $2,347-79.1% | $2,916-83.2% | $2,757-82.2% |
| Participant deferral / active EE | $582 | $3,287-82.3% | $4,323-86.5% | $4,300-86.5% |
| Admin fee / account holder | $388 | $4,752-91.8% | $7,360-94.7% | $6,925-94.4% |