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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 | $58,588 | $98,776-40.7% | $149,745-60.9% | $79,856-26.6% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.6%-19.6pp |
| Annual return | 11.12% | 27.38%-16.3pp | 276.72%-265.6pp | 31.71%-20.6pp |
| Employer contribution / active EE | $952 | $3,217-70.4% | $4,646-79.5% | $2,471-61.5% |
| Participant deferral / active EE | $2,296 | $5,681-59.6% | $6,843-66.4% | $3,741-38.6% |
| Admin fee / account holder | $1,501 | $6,053-75.2% | $9,312-83.9% | $5,306-71.7% |