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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 | $39,148 | $48,364-19.1% | $71,796-45.5% | $62,881-37.7% |
| Participation rate | 18.2% | 60.6%-42.4pp | 69.1%-50.9pp | 69.3%-51.1pp |
| Annual return | 4.74% | 13.16%-8.4pp | 78.04%-73.3pp | 20.14%-15.4pp |
| Employer contribution / active EE | $332 | $1,042-68.1% | $1,924-82.7% | $2,281-85.4% |
| Participant deferral / active EE | $737 | $2,091-64.8% | $2,794-73.6% | $3,203-77.0% |
| Admin fee / account holder | $16,920 | $3,771+348.7% | $4,815+251.4% | $4,296+293.9% |