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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 | $51,878 | $82,133-36.8% | $147,318-64.8% | $64,097-19.1% |
| Participation rate | 18.1% | 62.3%-44.1pp | 82.1%-63.9pp | 55.2%-37.1pp |
| Annual return | 12.37% | 78.78%-66.4pp | 70.43%-58.1pp | 34.64%-22.3pp |
| Employer contribution / active EE | $355 | $2,872-87.6% | $4,593-92.3% | $1,891-81.2% |
| Participant deferral / active EE | $1,159 | $5,407-78.6% | $7,906-85.3% | $3,080-62.4% |
| Admin fee / account holder | $4,012 | $3,730+7.6% | $13,708-70.7% | $3,454+16.1% |