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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 | $44,105 | $88,360-50.1% | $145,433-69.7% | $67,986-35.1% |
| Participation rate | 14.1% | 65.5%-51.4pp | 82.1%-68.0pp | 57.2%-43.1pp |
| Annual return | 13.98% | 63.15%-49.2pp | 66.58%-52.6pp | 31.67%-17.7pp |
| Employer contribution / active EE | $475 | $3,054-84.5% | $4,554-89.6% | $2,019-76.5% |
| Participant deferral / active EE | $1,052 | $5,932-82.3% | $7,897-86.7% | $3,358-68.7% |
| Admin fee / account holder | $12,964 | $3,313+291.3% | $13,129-1.3% | $3,203+304.7% |