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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 | $77,291 | $102,385-24.5% | $147,080-47.4% | $80,935-4.5% |
| Participation rate | 46.5% | 75.9%-29.4pp | 82.2%-35.7pp | 67.7%-21.1pp |
| Annual return | 11.59% | 135.09%-123.5pp | 420.17%-408.6pp | 35.66%-24.1pp |
| Employer contribution / active EE | $951 | $3,717-74.4% | $4,933-80.7% | $2,757-65.5% |
| Participant deferral / active EE | $1,547 | $6,651-76.7% | $8,066-80.8% | $4,299-64.0% |
| Admin fee / account holder | $2,152 | $7,951-72.9% | $12,989-83.4% | $6,924-68.9% |