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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 | $67,343 | $78,690-14.4% | $161,489-58.3% | $87,485-23.0% |
| Participation rate | 32.5% | 67.5%-35.0pp | 78.7%-46.2pp | 68.9%-36.4pp |
| Annual return | 8.31% | 32.74%-24.4pp | 89.72%-81.4pp | 26.06%-17.7pp |
| Employer contribution / active EE | $671 | $2,588-74.1% | $4,268-84.3% | $2,596-74.1% |
| Participant deferral / active EE | $674 | $3,311-79.6% | $5,630-88.0% | $4,274-84.2% |
| Admin fee / account holder | $24,311 | $6,724+261.6% | $16,006+51.9% | $7,775+212.7% |