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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 | $43,248 | $63,346-31.7% | $92,239-53.1% | $70,124-38.3% |
| Participation rate | 20.6% | 68.7%-48.1pp | 76.5%-55.9pp | 69.5%-49.0pp |
| Annual return | 5.40% | 530.19%-524.8pp | 176.29%-170.9pp | 73.14%-67.7pp |
| Employer contribution / active EE | $532 | $2,471-78.5% | $3,680-85.5% | $2,342-77.3% |
| Participant deferral / active EE | $734 | $2,854-74.3% | $3,897-81.2% | $3,332-78.0% |
| Admin fee / account holder | $4,981 | $3,841+29.7% | $5,194-4.1% | $4,645+7.2% |