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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 | $27,310 | $88,360-69.1% | $145,433-81.2% | $67,986-59.8% |
| Participation rate | 24.3% | 65.5%-41.2pp | 82.1%-57.8pp | 57.2%-32.9pp |
| Annual return | 13.17% | 63.15%-50.0pp | 66.58%-53.4pp | 31.67%-18.5pp |
| Employer contribution / active EE | $472 | $3,054-84.6% | $4,554-89.6% | $2,019-76.6% |
| Participant deferral / active EE | $644 | $5,932-89.1% | $7,897-91.8% | $3,358-80.8% |
| Admin fee / account holder | $2,257 | $3,313-31.9% | $13,129-82.8% | $3,203-29.5% |