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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 | $23,364 | $61,125-61.8% | $94,057-75.2% | $87,485-73.3% |
| Participation rate | 58.7% | 64.1%-5.4pp | 73.3%-14.6pp | 68.9%-10.2pp |
| Annual return | 7.90% | 35.20%-27.3pp | 480.62%-472.7pp | 26.06%-18.2pp |
| Employer contribution / active EE | $612 | $2,136-71.4% | $2,933-79.1% | $2,596-76.4% |
| Participant deferral / active EE | $643 | $3,260-80.3% | $4,709-86.3% | $4,274-84.9% |
| Admin fee / account holder | $3,522 | $5,629-37.4% | $7,244-51.4% | $7,775-54.7% |