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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 | $82,133-46.3% | $147,318-70.1% | $64,097-31.2% |
| Participation rate | 14.1% | 62.3%-48.2pp | 82.1%-68.0pp | 55.2%-41.1pp |
| Annual return | 13.98% | 78.78%-64.8pp | 70.43%-56.5pp | 34.64%-20.7pp |
| Employer contribution / active EE | $475 | $2,872-83.5% | $4,593-89.7% | $1,891-74.9% |
| Participant deferral / active EE | $1,052 | $5,407-80.5% | $7,906-86.7% | $3,080-65.8% |
| Admin fee / account holder | $12,964 | $3,730+247.6% | $13,708-5.4% | $3,454+275.3% |