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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 | $23,323 | $57,305-59.3% | $86,640-73.1% | $75,173-69.0% |
| Participation rate | 28.0% | 63.2%-35.2pp | 71.7%-43.7pp | 67.2%-39.2pp |
| Annual return | 12.92% | 2674.24%-2661.3pp | 592.52%-579.6pp | 160.72%-147.8pp |
| Employer contribution / active EE | $602 | $2,316-74.0% | $3,024-80.1% | $2,671-77.5% |
| Participant deferral / active EE | $772 | $3,320-76.8% | $4,438-82.6% | $4,126-81.3% |
| Admin fee / account holder | $1,614 | $4,116-60.8% | $5,616-71.3% | $5,651-71.4% |