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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 | $102,393-20.3% | $147,041-44.5% | $80,911+0.9% |
| Participation rate | 43.8% | 75.9%-32.1pp | 82.2%-38.4pp | 67.6%-23.9pp |
| Annual return | 9.72% | 134.95%-125.2pp | 419.21%-409.5pp | 35.63%-25.9pp |
| Employer contribution / active EE | $1,162 | $3,715-68.7% | $4,935-76.4% | $2,756-57.8% |
| Participant deferral / active EE | $2,604 | $6,647-60.8% | $8,071-67.7% | $4,297-39.4% |
| Admin fee / account holder | $1,513 | $7,943-81.0% | $13,006-88.4% | $6,935-78.2% |