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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 | $59,290 | $102,393-42.1% | $147,041-59.7% | $80,911-26.7% |
| Participation rate | 52.6% | 75.9%-23.2pp | 82.2%-29.5pp | 67.6%-15.0pp |
| Annual return | 10.51% | 134.95%-124.4pp | 419.21%-408.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,052 | $3,715-71.7% | $4,935-78.7% | $2,756-61.8% |
| Participant deferral / active EE | $2,185 | $6,647-67.1% | $8,071-72.9% | $4,297-49.2% |
| Admin fee / account holder | $4,974 | $7,943-37.4% | $13,006-61.8% | $6,935-28.3% |