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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 | $35,536 | $47,479-25.2% | $62,929-43.5% | $82,448-56.9% |
| Participation rate | 24.0% | 66.9%-42.9pp | 73.1%-49.1pp | 68.1%-44.1pp |
| Annual return | 7.79% | 20.34%-12.5pp | 1063.93%-1056.1pp | 41.64%-33.8pp |
| Employer contribution / active EE | $550 | $1,885-70.8% | $2,505-78.0% | $2,551-78.4% |
| Participant deferral / active EE | $550 | $2,870-80.8% | $3,888-85.8% | $4,139-86.7% |
| Admin fee / account holder | $3,129 | $3,804-17.7% | $5,065-38.2% | $7,234-56.7% |