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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 | $55,220 | $42,546+29.8% | $71,796-23.1% | $55,167+0.1% |
| Participation rate | 18.1% | 59.1%-41.0pp | 69.1%-51.0pp | 69.0%-50.9pp |
| Annual return | 4.99% | 12.36%-7.4pp | 78.04%-73.1pp | 169.23%-164.2pp |
| Employer contribution / active EE | $420 | $803-47.7% | $1,924-78.2% | $1,963-78.6% |
| Participant deferral / active EE | $693 | $2,064-66.4% | $2,794-75.2% | $3,054-77.3% |
| Admin fee / account holder | $2,949 | $650+354.0% | $4,815-38.7% | $504+485.3% |