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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 | $25,085 | $80,812-69.0% | $160,784-84.4% | $82,448-69.6% |
| Participation rate | 44.8% | 66.2%-21.5pp | 77.0%-32.2pp | 68.1%-23.3pp |
| Annual return | 11.35% | 100.59%-89.2pp | 1803.92%-1792.6pp | 41.64%-30.3pp |
| Employer contribution / active EE | $459 | $2,174-78.9% | $3,733-87.7% | $2,551-82.0% |
| Participant deferral / active EE | $1,287 | $4,335-70.3% | $6,293-79.5% | $4,139-68.9% |
| Admin fee / account holder | $10,766 | $7,695+39.9% | $9,717+10.8% | $7,234+48.8% |