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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 | $48,154 | $85,171-43.5% | $172,753-72.1% | $72,976-34.0% |
| Participation rate | 38.5% | 70.1%-31.6pp | 82.6%-44.2pp | 69.5%-31.0pp |
| Annual return | 6.79% | 27.32%-20.5pp | 803.00%-796.2pp | 81.02%-74.2pp |
| Employer contribution / active EE | $592 | $3,324-82.2% | $5,144-88.5% | $2,440-75.7% |
| Participant deferral / active EE | $810 | $3,260-75.2% | $5,198-84.4% | $3,608-77.5% |
| Admin fee / account holder | $4,481 | $5,880-23.8% | $13,956-67.9% | $5,124-12.6% |