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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 | $29,107 | $54,717-46.8% | $86,209-66.2% | $71,495-59.3% |
| Participation rate | 26.3% | 60.1%-33.8pp | 69.0%-42.7pp | 67.9%-41.7pp |
| Annual return | 5.25% | 20.07%-14.8pp | 1169.05%-1163.8pp | 28.85%-23.6pp |
| Employer contribution / active EE | $544 | $1,267-57.1% | $2,381-77.2% | $2,589-79.0% |
| Participant deferral / active EE | $815 | $3,110-73.8% | $3,986-79.6% | $4,291-81.0% |
| Admin fee / account holder | $1,187 | $1,922-38.3% | $6,853-82.7% | $1,588-25.3% |