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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 | $26,384 | $58,292-54.7% | $86,640-69.5% | $71,511-63.1% |
| Participation rate | 45.0% | 65.0%-20.1pp | 71.7%-26.8pp | 67.9%-23.0pp |
| Annual return | 7.06% | 21.63%-14.6pp | 592.52%-585.5pp | 28.86%-21.8pp |
| Employer contribution / active EE | $568 | $2,574-77.9% | $3,024-81.2% | $2,589-78.1% |
| Participant deferral / active EE | $646 | $3,438-81.2% | $4,438-85.4% | $4,291-84.9% |
| Admin fee / account holder | $3,821 | $1,057+261.4% | $5,616-32.0% | $1,588+140.5% |