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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 | $30,458 | $98,776-69.2% | $149,745-79.7% | $79,856-61.9% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.6%-0.4pp |
| Annual return | 11.81% | 27.38%-15.6pp | 276.72%-264.9pp | 31.71%-19.9pp |
| Employer contribution / active EE | $969 | $3,217-69.9% | $4,646-79.1% | $2,471-60.8% |
| Participant deferral / active EE | $2,349 | $5,681-58.6% | $6,843-65.7% | $3,741-37.2% |
| Admin fee / account holder | $330 | $6,053-94.6% | $9,312-96.5% | $5,306-93.8% |