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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 | $40,437 | $76,407-47.1% | $150,298-73.1% | $82,448-51.0% |
| Participation rate | 17.8% | 66.4%-48.6pp | 77.8%-60.0pp | 68.1%-50.3pp |
| Annual return | 3.09% | 39.99%-36.9pp | 62.79%-59.7pp | 41.64%-38.5pp |
| Employer contribution / active EE | $422 | $2,614-83.8% | $4,154-89.8% | $2,551-83.4% |
| Participant deferral / active EE | $813 | $3,214-74.7% | $5,453-85.1% | $4,139-80.4% |
| Admin fee / account holder | $305 | $6,352-95.2% | $14,116-97.8% | $7,234-95.8% |