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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 | $28,357 | $85,171-66.7% | $172,753-83.6% | $72,976-61.1% |
| Participation rate | 38.3% | 70.1%-31.8pp | 82.6%-44.3pp | 69.5%-31.2pp |
| Annual return | 12.52% | 27.32%-14.8pp | 803.00%-790.5pp | 81.02%-68.5pp |
| Employer contribution / active EE | $481 | $3,324-85.5% | $5,144-90.6% | $2,440-80.3% |
| Participant deferral / active EE | $633 | $3,260-80.6% | $5,198-87.8% | $3,608-82.5% |
| Admin fee / account holder | $3,146 | $5,880-46.5% | $13,956-77.5% | $5,124-38.6% |