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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 | $27,313 | $70,430-61.2% | $96,572-71.7% | $85,851-68.2% |
| Participation rate | 48.6% | 61.8%-13.2pp | 69.8%-21.2pp | 69.3%-20.7pp |
| Annual return | 9.26% | 18.58%-9.3pp | 37.79%-28.5pp | 318.63%-309.4pp |
| Employer contribution / active EE | $558 | $1,413-60.5% | $2,357-76.3% | $2,565-78.3% |
| Participant deferral / active EE | $718 | $2,894-75.2% | $3,850-81.4% | $3,952-81.8% |
| Admin fee / account holder | $549 | $4,996-89.0% | $6,183-91.1% | $6,261-91.2% |