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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 | $41,457 | $98,776-58.0% | $149,745-72.3% | $79,856-48.1% |
| Participation rate | 47.2% | 75.8%-28.6pp | 82.5%-35.3pp | 69.6%-22.4pp |
| Annual return | 11.08% | 27.38%-16.3pp | 276.72%-265.6pp | 31.71%-20.6pp |
| Employer contribution / active EE | $1,567 | $3,217-51.3% | $4,646-66.3% | $2,471-36.6% |
| Participant deferral / active EE | $2,290 | $5,681-59.7% | $6,843-66.5% | $3,741-38.8% |
| Admin fee / account holder | $7,386 | $6,053+22.0% | $9,312-20.7% | $5,306+39.2% |