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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 | $25,426 | $102,385-75.2% | $147,080-82.7% | $80,935-68.6% |
| Participation rate | 46.0% | 75.9%-29.9pp | 82.2%-36.2pp | 67.7%-21.7pp |
| Annual return | 10.84% | 135.09%-124.3pp | 420.17%-409.3pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,356 | $3,717-63.5% | $4,933-72.5% | $2,757-50.8% |
| Participant deferral / active EE | $2,034 | $6,651-69.4% | $8,066-74.8% | $4,299-52.7% |
| Admin fee / account holder | $409 | $7,951-94.9% | $12,989-96.9% | $6,924-94.1% |