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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 | $27,188 | $117,895-76.9% | $102,460-73.5% | $145,897-81.4% |
| Participation rate | 22.2% | 78.6%-56.4pp | 76.5%-54.3pp | 80.3%-58.1pp |
| Annual return | 0.93% | 31.92%-31.0pp | 29.47%-28.5pp | 552.29%-551.4pp |
| Employer contribution / active EE | $957 | $3,619-73.6% | $3,025-68.4% | $4,663-79.5% |
| Participant deferral / active EE | $968 | $5,736-83.1% | $5,056-80.8% | $6,689-85.5% |
| Admin fee / account holder | $3,111 | $13,353-76.7% | $9,460-67.1% | $13,390-76.8% |