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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 | $34,205 | $42,546-19.6% | $71,796-52.4% | $55,167-38.0% |
| Participation rate | 26.7% | 59.1%-32.5pp | 69.1%-42.4pp | 69.0%-42.3pp |
| Annual return | 4.84% | 12.36%-7.5pp | 78.04%-73.2pp | 169.23%-164.4pp |
| Employer contribution / active EE | $420 | $803-47.8% | $1,924-78.2% | $1,963-78.6% |
| Participant deferral / active EE | $627 | $2,064-69.6% | $2,794-77.6% | $3,054-79.5% |
| Admin fee / account holder | $422 | $650-35.1% | $4,815-91.2% | $504-16.3% |