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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 | $30,264 | $54,717-44.7% | $86,216-64.9% | $71,511-57.7% |
| Participation rate | 40.7% | 60.1%-19.4pp | 69.0%-28.3pp | 67.9%-27.3pp |
| Annual return | 9.41% | 20.07%-10.7pp | 1169.42%-1160.0pp | 28.86%-19.4pp |
| Employer contribution / active EE | $635 | $1,267-49.9% | $2,382-73.3% | $2,589-75.5% |
| Participant deferral / active EE | $1,118 | $3,110-64.1% | $3,986-72.0% | $4,291-73.9% |
| Admin fee / account holder | $530 | $1,922-72.4% | $6,853-92.3% | $1,588-66.7% |