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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 | $28,998 | $98,776-70.6% | $149,745-80.6% | $79,856-63.7% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.5%-27.5pp | 69.6%-14.6pp |
| Annual return | 8.35% | 27.38%-19.0pp | 276.72%-268.4pp | 31.71%-23.4pp |
| Employer contribution / active EE | $1,461 | $3,217-54.6% | $4,646-68.5% | $2,471-40.9% |
| Participant deferral / active EE | $1,937 | $5,681-65.9% | $6,843-71.7% | $3,741-48.2% |
| Admin fee / account holder | $516 | $6,053-91.5% | $9,312-94.5% | $5,306-90.3% |