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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 | $43,949 | $101,591-56.7% | $147,096-70.1% | $74,429-41.0% |
| Participation rate | 40.6% | 75.5%-34.9pp | 82.2%-41.6pp | 67.2%-26.6pp |
| Annual return | 12.46% | 8746.45%-8734.0pp | 419.75%-407.3pp | 1368.38%-1355.9pp |
| Employer contribution / active EE | $1,283 | $3,813-66.3% | $4,936-74.0% | $2,625-51.1% |
| Participant deferral / active EE | $1,810 | $7,302-75.2% | $8,071-77.6% | $4,348-58.4% |
| Admin fee / account holder | $3,700 | $1,750+111.4% | $13,005-71.5% | $1,944+90.3% |