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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 | $17,127 | $51,736-66.9% | $120,225-85.8% | $67,986-74.8% |
| Participation rate | 12.6% | 46.1%-33.5pp | 69.6%-57.0pp | 57.2%-44.6pp |
| Annual return | 5.49% | 31.98%-26.5pp | 439.23%-433.7pp | 31.67%-26.2pp |
| Employer contribution / active EE | $280 | $1,071-73.9% | $3,475-91.9% | $2,019-86.1% |
| Participant deferral / active EE | $625 | $2,206-71.7% | $3,999-84.4% | $3,358-81.4% |
| Admin fee / account holder | $2,568 | $4,159-38.2% | $5,696-54.9% | $3,203-19.8% |