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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 | $12,385 | $58,311-78.8% | $81,882-84.9% | $80,959-84.7% |
| Participation rate | 29.1% | 63.5%-34.4pp | 72.4%-43.3pp | 67.7%-38.6pp |
| Annual return | 10.56% | 41.85%-31.3pp | 779.47%-768.9pp | 35.67%-25.1pp |
| Employer contribution / active EE | $307 | $2,347-86.9% | $2,916-89.5% | $2,757-88.9% |
| Participant deferral / active EE | $619 | $3,287-81.2% | $4,323-85.7% | $4,300-85.6% |
| Admin fee / account holder | $1,228 | $4,752-74.2% | $7,360-83.3% | $6,925-82.3% |