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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 | $81,653 | $102,422-20.3% | $147,117-44.5% | $80,959+0.9% |
| Participation rate | 43.8% | 75.9%-32.1pp | 82.2%-38.4pp | 67.7%-23.9pp |
| Annual return | 9.72% | 135.16%-125.4pp | 420.54%-410.8pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,162 | $3,717-68.7% | $4,932-76.4% | $2,757-57.8% |
| Participant deferral / active EE | $2,604 | $6,652-60.9% | $8,065-67.7% | $4,300-39.5% |
| Admin fee / account holder | $1,513 | $7,953-81.0% | $12,993-88.4% | $6,925-78.2% |