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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 | $38,135 | $99,957-61.8% | $149,730-74.5% | $73,493-48.1% |
| Participation rate | 19.6% | 75.7%-56.1pp | 82.5%-62.9pp | 70.7%-51.1pp |
| Annual return | 2.44% | 53.87%-51.4pp | 276.70%-274.3pp | 28.51%-26.1pp |
| Employer contribution / active EE | $757 | $3,191-76.3% | $4,645-83.7% | $2,270-66.6% |
| Participant deferral / active EE | $1,328 | $6,073-78.1% | $6,843-80.6% | $3,740-64.5% |
| Admin fee / account holder | $8,134 | $551+1377.0% | $9,310-12.6% | $513+1485.3% |