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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 | $34,277 | $52,353-34.5% | $120,225-71.5% | $82,448-58.4% |
| Participation rate | 17.6% | 58.3%-40.7pp | 69.6%-52.0pp | 68.1%-50.5pp |
| Annual return | 11.75% | 61.85%-50.1pp | 439.23%-427.5pp | 41.64%-29.9pp |
| Employer contribution / active EE | $305 | $1,510-79.8% | $3,475-91.2% | $2,551-88.0% |
| Participant deferral / active EE | $473 | $2,627-82.0% | $3,999-88.2% | $4,139-88.6% |
| Admin fee / account holder | $8,059 | $4,363+84.7% | $5,696+41.5% | $7,234+11.4% |