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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 | $36,793 | $85,171-56.8% | $172,753-78.7% | $72,976-49.6% |
| Participation rate | 22.6% | 70.1%-47.5pp | 82.6%-60.1pp | 69.5%-46.9pp |
| Annual return | 14.14% | 27.32%-13.2pp | 803.00%-788.9pp | 81.02%-66.9pp |
| Employer contribution / active EE | $426 | $3,324-87.2% | $5,144-91.7% | $2,440-82.6% |
| Participant deferral / active EE | $640 | $3,260-80.4% | $5,198-87.7% | $3,608-82.3% |
| Admin fee / account holder | $3,820 | $5,880-35.0% | $13,956-72.6% | $5,124-25.5% |