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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 | $78,690-48.6% | $161,489-75.0% | $87,485-53.8% |
| Participation rate | 17.8% | 67.5%-49.7pp | 78.7%-60.9pp | 68.9%-51.2pp |
| Annual return | 3.09% | 32.74%-29.6pp | 89.72%-86.6pp | 26.06%-23.0pp |
| Employer contribution / active EE | $422 | $2,588-83.7% | $4,268-90.1% | $2,596-83.7% |
| Participant deferral / active EE | $813 | $3,311-75.4% | $5,630-85.6% | $4,274-81.0% |
| Admin fee / account holder | $305 | $6,724-95.5% | $16,006-98.1% | $7,775-96.1% |