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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 | $42,819 | $58,493-26.8% | $84,023-49.0% | $72,976-41.3% |
| Participation rate | 48.6% | 61.2%-12.6pp | 69.0%-20.4pp | 69.5%-20.8pp |
| Annual return | 3.45% | 28.93%-25.5pp | 71.32%-67.9pp | 81.02%-77.6pp |
| Employer contribution / active EE | $395 | $1,163-66.0% | $1,984-80.1% | $2,440-83.8% |
| Participant deferral / active EE | $910 | $2,394-62.0% | $3,239-71.9% | $3,608-74.8% |
| Admin fee / account holder | $118,435 | $4,569+2492.3% | $6,102+1840.9% | $5,124+2211.3% |