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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 | $35,794 | $98,766-63.8% | $149,730-76.1% | $79,852-55.2% |
| Participation rate | 31.3% | 75.8%-44.5pp | 82.5%-51.2pp | 69.6%-38.4pp |
| Annual return | 10.01% | 27.43%-17.4pp | 276.70%-266.7pp | 31.72%-21.7pp |
| Employer contribution / active EE | $1,043 | $3,217-67.6% | $4,645-77.6% | $2,471-57.8% |
| Participant deferral / active EE | $1,901 | $5,681-66.5% | $6,843-72.2% | $3,740-49.2% |
| Admin fee / account holder | $10,068 | $6,052+66.4% | $9,310+8.1% | $5,306+89.7% |