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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 | $13,292 | $23,330-43.0% | $64,489-79.4% | $82,448-83.9% |
| Participation rate | 20.9% | 68.3%-47.4pp | 67.7%-46.8pp | 68.1%-47.1pp |
| Annual return | 13.76% | 83.66%-69.9pp | 55.03%-41.3pp | 41.64%-27.9pp |
| Employer contribution / active EE | $251 | $824-69.6% | $1,523-83.5% | $2,551-90.2% |
| Participant deferral / active EE | $358 | $1,707-79.0% | $2,778-87.1% | $4,139-91.4% |
| Admin fee / account holder | $3,348 | $2,946+13.7% | $4,260-21.4% | $7,234-53.7% |