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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 | $238,577 | $105,210+126.8% | $159,487+49.6% | $85,851+177.9% |
| Participation rate | 46.2% | 75.8%-29.6pp | 82.8%-36.7pp | 69.3%-23.2pp |
| Annual return | 11.78% | 45.08%-33.3pp | 263.71%-251.9pp | 318.63%-306.9pp |
| Employer contribution / active EE | $1,085 | $3,319-67.3% | $4,831-77.5% | $2,565-57.7% |
| Participant deferral / active EE | $2,387 | $5,946-59.9% | $7,354-67.5% | $3,952-39.6% |
| Admin fee / account holder | $795 | $6,934-88.5% | $10,804-92.6% | $6,261-87.3% |