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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 | $47,491 | $105,200-54.9% | $159,474-70.2% | $85,847-44.7% |
| Participation rate | 25.0% | 75.8%-50.8pp | 82.8%-57.8pp | 69.3%-44.3pp |
| Annual return | 11.82% | 45.08%-33.3pp | 263.68%-251.9pp | 318.61%-306.8pp |
| Employer contribution / active EE | $769 | $3,319-76.8% | $4,831-84.1% | $2,565-70.0% |
| Participant deferral / active EE | $1,252 | $5,946-79.0% | $7,353-83.0% | $3,952-68.3% |
| Admin fee / account holder | $1,475 | $6,934-78.7% | $10,802-86.3% | $6,261-76.4% |