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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 | $42,157 | $102,385-58.8% | $147,080-71.3% | $80,935-47.9% |
| Participation rate | 44.8% | 75.9%-31.0pp | 82.2%-37.4pp | 67.7%-22.8pp |
| Annual return | 11.76% | 135.09%-123.3pp | 420.17%-408.4pp | 35.66%-23.9pp |
| Employer contribution / active EE | $1,348 | $3,717-63.7% | $4,933-72.7% | $2,757-51.1% |
| Participant deferral / active EE | $1,994 | $6,651-70.0% | $8,066-75.3% | $4,299-53.6% |
| Admin fee / account holder | $4,636 | $7,951-41.7% | $12,989-64.3% | $6,924-33.1% |