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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 | $36,561 | $85,171-57.1% | $172,753-78.8% | $72,976-49.9% |
| Participation rate | 58.6% | 70.1%-11.4pp | 82.6%-24.0pp | 69.5%-10.9pp |
| Annual return | 12.50% | 27.32%-14.8pp | 803.00%-790.5pp | 81.02%-68.5pp |
| Employer contribution / active EE | $1,116 | $3,324-66.4% | $5,144-78.3% | $2,440-54.3% |
| Participant deferral / active EE | $630 | $3,260-80.7% | $5,198-87.9% | $3,608-82.5% |
| Admin fee / account holder | $5,433 | $5,880-7.6% | $13,956-61.1% | $5,124+6.0% |