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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 | $55,747 | $98,766-43.6% | $149,730-62.8% | $79,852-30.2% |
| Participation rate | 34.3% | 75.8%-41.5pp | 82.5%-48.2pp | 69.6%-35.4pp |
| Annual return | 7.65% | 27.43%-19.8pp | 276.70%-269.1pp | 31.72%-24.1pp |
| Employer contribution / active EE | $824 | $3,217-74.4% | $4,645-82.3% | $2,471-66.7% |
| Participant deferral / active EE | $1,863 | $5,681-67.2% | $6,843-72.8% | $3,740-50.2% |
| Admin fee / account holder | $3,801 | $6,052-37.2% | $9,310-59.2% | $5,306-28.4% |