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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 | $34,434 | $77,638-55.6% | $156,551-78.0% | $62,881-45.2% |
| Participation rate | 20.4% | 71.2%-50.8pp | 84.0%-63.6pp | 69.3%-48.9pp |
| Annual return | 4.28% | 50.33%-46.0pp | 32.23%-27.9pp | 20.14%-15.9pp |
| Employer contribution / active EE | $368 | $3,444-89.3% | $5,501-93.3% | $2,281-83.9% |
| Participant deferral / active EE | $523 | $3,046-82.8% | $4,871-89.3% | $3,203-83.7% |
| Admin fee / account holder | $5,314 | $5,561-4.5% | $13,028-59.2% | $4,296+23.7% |