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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 | $55,080 | $93,345-41.0% | $119,126-53.8% | $87,485-37.0% |
| Participation rate | 52.6% | 68.7%-16.1pp | 75.8%-23.1pp | 68.9%-16.3pp |
| Annual return | 10.57% | 19.08%-8.5pp | 282.11%-271.5pp | 26.06%-15.5pp |
| Employer contribution / active EE | $979 | $3,172-69.1% | $4,034-75.7% | $2,596-62.3% |
| Participant deferral / active EE | $1,577 | $4,099-61.5% | $5,318-70.3% | $4,274-63.1% |
| Admin fee / account holder | $6,794 | $8,039-15.5% | $10,693-36.5% | $7,775-12.6% |