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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 | $40,368 | $93,345-56.8% | $119,126-66.1% | $87,485-53.9% |
| Participation rate | 38.7% | 68.7%-30.0pp | 75.8%-37.1pp | 68.9%-30.2pp |
| Annual return | 11.67% | 19.08%-7.4pp | 282.11%-270.4pp | 26.06%-14.4pp |
| Employer contribution / active EE | $1,269 | $3,172-60.0% | $4,034-68.5% | $2,596-51.1% |
| Participant deferral / active EE | $1,379 | $4,099-66.3% | $5,318-74.1% | $4,274-67.7% |
| Admin fee / account holder | $798 | $8,039-90.1% | $10,693-92.5% | $7,775-89.7% |