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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 | $27,244 | $47,944-43.2% | $67,834-59.8% | $62,881-56.7% |
| Participation rate | 23.7% | 61.1%-37.3pp | 68.8%-45.1pp | 69.3%-45.6pp |
| Annual return | 4.35% | 11.77%-7.4pp | 138.47%-134.1pp | 20.14%-15.8pp |
| Employer contribution / active EE | $336 | $1,562-78.5% | $2,403-86.0% | $2,281-85.3% |
| Participant deferral / active EE | $771 | $2,247-65.7% | $3,160-75.6% | $3,203-75.9% |
| Admin fee / account holder | $517 | $3,712-86.1% | $4,622-88.8% | $4,296-88.0% |