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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 | $45,561 | $79,181-42.5% | $102,423-55.5% | $74,429-38.8% |
| Participation rate | 30.0% | 74.8%-44.8pp | 76.5%-46.5pp | 67.2%-37.2pp |
| Annual return | 7.57% | 54.97%-47.4pp | 29.42%-21.9pp | 1368.38%-1360.8pp |
| Employer contribution / active EE | $944 | $2,362-60.0% | $3,023-68.8% | $2,625-64.0% |
| Participant deferral / active EE | $2,020 | $4,416-54.3% | $5,054-60.0% | $4,348-53.6% |
| Admin fee / account holder | $4,497 | $2,002+124.7% | $9,455-52.4% | $1,944+131.3% |