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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 | $63,975 | $29,507+116.8% | $56,025+14.2% | $77,762-17.7% |
| Participation rate | 6.6% | 32.7%-26.1pp | 52.5%-45.9pp | 70.6%-64.0pp |
| Annual return | 9.45% | 18.90%-9.4pp | 1712.69%-1703.2pp | 31.27%-21.8pp |
| Employer contribution / active EE | $165 | $570-71.1% | $1,042-84.2% | $2,728-94.0% |
| Participant deferral / active EE | $268 | $1,062-74.8% | $1,955-86.3% | $4,651-94.2% |
| Admin fee / account holder | $1,843 | $1,041+77.1% | $2,828-34.8% | $433+325.8% |