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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 | $23,410 | $60,454-61.3% | $81,844-71.4% | $74,459-68.6% |
| Participation rate | 19.3% | 63.0%-43.6pp | 72.4%-53.1pp | 67.2%-47.9pp |
| Annual return | 10.32% | 16.87%-6.5pp | 778.87%-768.6pp | 1369.70%-1359.4pp |
| Employer contribution / active EE | $574 | $2,630-78.2% | $2,916-80.3% | $2,626-78.2% |
| Participant deferral / active EE | $691 | $3,398-79.7% | $4,323-84.0% | $4,350-84.1% |
| Admin fee / account holder | $1,635 | $1,490+9.7% | $7,355-77.8% | $1,945-15.9% |