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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 | $91,493 | $105,200-13.0% | $159,474-42.6% | $85,847+6.6% |
| Participation rate | 46.0% | 75.8%-29.8pp | 82.8%-36.8pp | 69.3%-23.3pp |
| Annual return | 8.53% | 45.08%-36.5pp | 263.68%-255.1pp | 318.61%-310.1pp |
| Employer contribution / active EE | $748 | $3,319-77.5% | $4,831-84.5% | $2,565-70.9% |
| Participant deferral / active EE | $656 | $5,946-89.0% | $7,353-91.1% | $3,952-83.4% |
| Admin fee / account holder | $3,534 | $6,934-49.0% | $10,802-67.3% | $6,261-43.6% |