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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 | $12,308 | $58,275-78.9% | $81,844-85.0% | $80,935-84.8% |
| Participation rate | 29.3% | 63.5%-34.2pp | 72.4%-43.1pp | 67.7%-38.4pp |
| Annual return | 7.40% | 41.82%-34.4pp | 778.87%-771.5pp | 35.66%-28.3pp |
| Employer contribution / active EE | $426 | $2,346-81.8% | $2,916-85.4% | $2,757-84.6% |
| Participant deferral / active EE | $640 | $3,285-80.5% | $4,323-85.2% | $4,299-85.1% |
| Admin fee / account holder | $609 | $4,749-87.2% | $7,355-91.7% | $6,924-91.2% |