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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 | $42,361 | $79,223-46.5% | $102,460-58.7% | $74,478-43.1% |
| Participation rate | 43.2% | 74.8%-31.5pp | 76.5%-33.3pp | 67.2%-24.0pp |
| Annual return | 9.52% | 54.98%-45.5pp | 29.47%-19.9pp | 1370.56%-1361.0pp |
| Employer contribution / active EE | $1,062 | $2,363-55.1% | $3,025-64.9% | $2,626-59.6% |
| Participant deferral / active EE | $1,543 | $4,417-65.1% | $5,056-69.5% | $4,350-64.5% |
| Admin fee / account holder | $2,988 | $2,003+49.2% | $9,460-68.4% | $1,946+53.5% |