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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 | $58,917 | $93,345-36.9% | $119,126-50.5% | $87,485-32.7% |
| Participation rate | 63.5% | 68.7%-5.2pp | 75.8%-12.3pp | 68.9%-5.4pp |
| Annual return | 11.41% | 19.08%-7.7pp | 282.11%-270.7pp | 26.06%-14.6pp |
| Employer contribution / active EE | $6,718 | $3,172+111.8% | $4,034+66.6% | $2,596+158.8% |
| Participant deferral / active EE | $686 | $4,099-83.3% | $5,318-87.1% | $4,274-84.0% |
| Admin fee / account holder | $2,642 | $8,039-67.1% | $10,693-75.3% | $7,775-66.0% |