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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 | $13,436 | $61,789-78.3% | $97,167-86.2% | $80,874-83.4% |
| Participation rate | 33.3% | 63.5%-30.2pp | 72.7%-39.4pp | 67.6%-34.3pp |
| Annual return | 10.34% | -557.90%+568.2pp | 75.27%-64.9pp | 35.62%-25.3pp |
| Employer contribution / active EE | $489 | $1,837-73.4% | $2,729-82.1% | $2,756-82.3% |
| Participant deferral / active EE | $758 | $3,028-75.0% | $4,264-82.2% | $4,297-82.4% |
| Admin fee / account holder | $3,549 | $5,168-31.3% | $5,650-37.2% | $6,935-48.8% |