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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 | $15,248 | $45,900-66.8% | $94,057-83.8% | $64,340-76.3% |
| Participation rate | 46.0% | 50.6%-4.6pp | 73.3%-27.3pp | 55.2%-9.2pp |
| Annual return | 4.56% | 50.47%-45.9pp | 480.62%-476.1pp | 24.14%-19.6pp |
| Employer contribution / active EE | $993 | $1,612-38.4% | $2,933-66.1% | $1,862-46.7% |
| Participant deferral / active EE | $80 | $2,102-96.2% | $4,709-98.3% | $2,980-97.3% |
| Admin fee / account holder | $5,174 | $3,143+64.6% | $7,244-28.6% | $3,703+39.7% |