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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 | $26,746 | $60,119-55.5% | $90,414-70.4% | $79,860-66.5% |
| Participation rate | 39.4% | 65.0%-25.6pp | 72.7%-33.3pp | 69.6%-30.2pp |
| Annual return | 9.60% | 71.94%-62.3pp | 1293.19%-1283.6pp | 31.72%-22.1pp |
| Employer contribution / active EE | $1,543 | $2,068-25.4% | $3,262-52.7% | $2,471-37.5% |
| Participant deferral / active EE | $355 | $2,938-87.9% | $3,963-91.0% | $3,740-90.5% |
| Admin fee / account holder | $1,455 | $3,976-63.4% | $5,611-74.1% | $5,306-72.6% |