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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 | $33,721 | $107,421-68.6% | $182,262-81.5% | $94,015-64.1% |
| Participation rate | 38.2% | 77.8%-39.6pp | 84.2%-46.0pp | 70.8%-32.6pp |
| Annual return | 12.52% | 21.32%-8.8pp | 140.60%-128.1pp | 17.84%-5.3pp |
| Employer contribution / active EE | $650 | $3,448-81.2% | $5,046-87.1% | $2,790-76.7% |
| Participant deferral / active EE | $1,509 | $6,558-77.0% | $8,276-81.8% | $4,249-64.5% |
| Admin fee / account holder | $3,080 | $8,692-64.6% | $16,712-81.6% | $8,951-65.6% |