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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 | $37,683 | $105,198-64.2% | $159,455-76.4% | $85,856-56.1% |
| Participation rate | 56.8% | 75.8%-19.0pp | 82.8%-26.1pp | 69.3%-12.6pp |
| Annual return | 10.47% | 45.08%-34.6pp | 263.63%-253.2pp | 318.58%-308.1pp |
| Employer contribution / active EE | $1,222 | $3,319-63.2% | $4,830-74.7% | $2,565-52.4% |
| Participant deferral / active EE | $2,065 | $5,946-65.3% | $7,353-71.9% | $3,952-47.8% |
| Admin fee / account holder | $3,674 | $6,934-47.0% | $10,800-66.0% | $6,261-41.3% |