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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 | $27,424 | $24,618+11.4% | $71,585-61.7% | $82,637-66.8% |
| Participation rate | 19.2% | 68.2%-49.0pp | 68.2%-48.9pp | 68.1%-48.8pp |
| Annual return | 13.22% | 93.17%-80.0pp | 59.26%-46.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $350 | $852-59.0% | $1,669-79.0% | $2,552-86.3% |
| Participant deferral / active EE | $425 | $1,720-75.3% | $2,923-85.5% | $4,126-89.7% |
| Admin fee / account holder | $1,777 | $3,285-45.9% | $4,712-62.3% | $7,339-75.8% |