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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 | $39,925 | $102,422-61.0% | $147,117-72.9% | $80,959-50.7% |
| Participation rate | 55.6% | 75.9%-20.3pp | 82.2%-26.6pp | 67.7%-12.1pp |
| Annual return | 10.76% | 135.16%-124.4pp | 420.54%-409.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,353 | $3,717-63.6% | $4,932-72.6% | $2,757-50.9% |
| Participant deferral / active EE | $2,549 | $6,652-61.7% | $8,065-68.4% | $4,300-40.7% |
| Admin fee / account holder | $3,594 | $7,953-54.8% | $12,993-72.3% | $6,925-48.1% |