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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 | $34,852 | $76,407-54.4% | $150,298-76.8% | $82,448-57.7% |
| Participation rate | 24.1% | 66.4%-42.3pp | 77.8%-53.6pp | 68.1%-43.9pp |
| Annual return | 7.99% | 39.99%-32.0pp | 62.79%-54.8pp | 41.64%-33.7pp |
| Employer contribution / active EE | $432 | $2,614-83.5% | $4,154-89.6% | $2,551-83.1% |
| Participant deferral / active EE | $509 | $3,214-84.2% | $5,453-90.7% | $4,139-87.7% |
| Admin fee / account holder | $4,472 | $6,352-29.6% | $14,116-68.3% | $7,234-38.2% |