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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 | $36,614 | $95,406-61.6% | $185,849-80.3% | $85,847-57.3% |
| Participation rate | 39.8% | 68.8%-29.0pp | 81.7%-41.9pp | 69.3%-29.5pp |
| Annual return | 8.16% | 23.59%-15.4pp | 122.10%-113.9pp | 318.61%-310.4pp |
| Employer contribution / active EE | $475 | $3,314-85.7% | $5,169-90.8% | $2,565-81.5% |
| Participant deferral / active EE | $611 | $3,424-82.1% | $5,569-89.0% | $3,952-84.5% |
| Admin fee / account holder | $2,568 | $7,214-64.4% | $16,244-84.2% | $6,261-59.0% |