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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 | $26,200 | $54,213-51.7% | $93,696-72.0% | $77,736-66.3% |
| Participation rate | 23.2% | 64.0%-40.8pp | 68.7%-45.5pp | 70.6%-47.4pp |
| Annual return | 8.67% | 30.55%-21.9pp | 133.74%-125.1pp | 31.26%-22.6pp |
| Employer contribution / active EE | $485 | $1,168-58.5% | $2,422-80.0% | $2,728-82.2% |
| Participant deferral / active EE | $991 | $3,145-68.5% | $4,417-77.6% | $4,651-78.7% |
| Admin fee / account holder | $3,811 | $575+562.9% | $8,287-54.0% | $433+779.4% |