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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 | $43,149 | $85,766-49.7% | $136,298-68.3% | $70,126-38.5% |
| Participation rate | 32.4% | 74.2%-41.8pp | 81.9%-49.6pp | 69.5%-37.2pp |
| Annual return | 10.89% | 31.46%-20.6pp | 5156.27%-5145.4pp | 73.15%-62.3pp |
| Employer contribution / active EE | $748 | $2,966-74.8% | $4,696-84.1% | $2,343-68.1% |
| Participant deferral / active EE | $1,828 | $5,051-63.8% | $6,247-70.7% | $3,332-45.1% |
| Admin fee / account holder | $8,614 | $5,421+58.9% | $9,244-6.8% | $4,645+85.4% |