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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 | $32,681 | $47,479-31.2% | $62,929-48.1% | $82,448-60.4% |
| Participation rate | 19.0% | 66.9%-47.8pp | 73.1%-54.1pp | 68.1%-49.0pp |
| Annual return | 8.54% | 20.34%-11.8pp | 1063.93%-1055.4pp | 41.64%-33.1pp |
| Employer contribution / active EE | $389 | $1,885-79.4% | $2,505-84.5% | $2,551-84.8% |
| Participant deferral / active EE | $520 | $2,870-81.9% | $3,888-86.6% | $4,139-87.4% |
| Admin fee / account holder | $557 | $3,804-85.4% | $5,065-89.0% | $7,234-92.3% |