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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 | $29,596 | $58,275-49.2% | $81,844-63.8% | $80,935-63.4% |
| Participation rate | 38.3% | 63.5%-25.1pp | 72.4%-34.0pp | 67.7%-29.3pp |
| Annual return | 10.78% | 41.82%-31.0pp | 778.87%-768.1pp | 35.66%-24.9pp |
| Employer contribution / active EE | $363 | $2,346-84.5% | $2,916-87.5% | $2,757-86.8% |
| Participant deferral / active EE | $617 | $3,285-81.2% | $4,323-85.7% | $4,299-85.6% |
| Admin fee / account holder | $2,246 | $4,749-52.7% | $7,355-69.5% | $6,924-67.6% |