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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 | $73,634 | $102,422-28.1% | $147,117-49.9% | $80,959-9.0% |
| Participation rate | 43.6% | 75.9%-32.3pp | 82.2%-38.6pp | 67.7%-24.1pp |
| Annual return | 8.74% | 135.16%-126.4pp | 420.54%-411.8pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,448 | $3,717-61.0% | $4,932-70.6% | $2,757-47.5% |
| Participant deferral / active EE | $2,549 | $6,652-61.7% | $8,065-68.4% | $4,300-40.7% |
| Admin fee / account holder | $5,418 | $7,953-31.9% | $12,993-58.3% | $6,925-21.8% |