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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 | $41,953 | $102,393-59.0% | $147,041-71.5% | $80,911-48.1% |
| Participation rate | 47.4% | 75.9%-28.5pp | 82.2%-34.8pp | 67.6%-20.3pp |
| Annual return | 9.96% | 134.95%-125.0pp | 419.21%-409.2pp | 35.63%-25.7pp |
| Employer contribution / active EE | $1,501 | $3,715-59.6% | $4,935-69.6% | $2,756-45.5% |
| Participant deferral / active EE | $1,766 | $6,647-73.4% | $8,071-78.1% | $4,297-58.9% |
| Admin fee / account holder | $3,148 | $7,943-60.4% | $13,006-75.8% | $6,935-54.6% |