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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 | $58,241-78.7% | $81,780-84.9% | $80,911-84.7% |
| Participation rate | 29.1% | 63.4%-34.4pp | 72.4%-43.3pp | 67.6%-38.6pp |
| Annual return | 10.56% | 41.73%-31.2pp | 776.27%-765.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $307 | $2,343-86.9% | $2,914-89.4% | $2,756-88.8% |
| Participant deferral / active EE | $619 | $3,283-81.1% | $4,321-85.7% | $4,297-85.6% |
| Admin fee / account holder | $1,228 | $4,973-75.3% | $7,384-83.4% | $6,935-82.3% |