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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 | $56,509 | $102,385-44.8% | $147,080-61.6% | $80,935-30.2% |
| Participation rate | 47.9% | 75.9%-28.0pp | 82.2%-34.3pp | 67.7%-19.8pp |
| Annual return | 11.60% | 135.09%-123.5pp | 420.17%-408.6pp | 35.66%-24.1pp |
| Employer contribution / active EE | $1,098 | $3,717-70.5% | $4,933-77.7% | $2,757-60.2% |
| Participant deferral / active EE | $1,987 | $6,651-70.1% | $8,066-75.4% | $4,299-53.8% |
| Admin fee / account holder | $17,420 | $7,951+119.1% | $12,989+34.1% | $6,924+151.6% |