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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 | $28,821 | $93,345-69.1% | $119,126-75.8% | $87,485-67.1% |
| Participation rate | 58.9% | 68.7%-9.8pp | 75.8%-16.9pp | 68.9%-10.0pp |
| Annual return | 5.21% | 19.08%-13.9pp | 282.11%-276.9pp | 26.06%-20.8pp |
| Employer contribution / active EE | $4,705 | $3,172+48.4% | $4,034+16.7% | $2,596+81.2% |
| Participant deferral / active EE | $254 | $4,099-93.8% | $5,318-95.2% | $4,274-94.1% |
| Admin fee / account holder | $5,851 | $8,039-27.2% | $10,693-45.3% | $7,775-24.7% |