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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 | $23,330+17.5% | $64,489-57.5% | $82,448-66.7% |
| Participation rate | 19.2% | 68.3%-49.1pp | 67.7%-48.5pp | 68.1%-48.8pp |
| Annual return | 13.22% | 83.66%-70.4pp | 55.03%-41.8pp | 41.64%-28.4pp |
| Employer contribution / active EE | $350 | $824-57.6% | $1,523-77.0% | $2,551-86.3% |
| Participant deferral / active EE | $425 | $1,707-75.1% | $2,778-84.7% | $4,139-89.7% |
| Admin fee / account holder | $1,777 | $2,946-39.7% | $4,260-58.3% | $7,234-75.4% |