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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 | $41,525 | $48,314-14.1% | $67,561-38.5% | $80,925-48.7% |
| Participation rate | 18.8% | 66.4%-47.6pp | 72.9%-54.2pp | 67.7%-48.9pp |
| Annual return | 10.92% | 18.28%-7.4pp | 3525.44%-3514.5pp | 35.65%-24.7pp |
| Employer contribution / active EE | $550 | $2,022-72.8% | $2,735-79.9% | $2,756-80.0% |
| Participant deferral / active EE | $777 | $2,927-73.4% | $4,003-80.6% | $4,299-81.9% |
| Admin fee / account holder | $4,401 | $3,690+19.3% | $4,006+9.9% | $6,940-36.6% |