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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 | $72,620 | $83,369-12.9% | $105,223-31.0% | $67,986+6.8% |
| Participation rate | 20.1% | 56.3%-36.2pp | 75.0%-54.9pp | 57.2%-37.1pp |
| Annual return | 12.44% | 24.64%-12.2pp | 180.65%-168.2pp | 31.67%-19.2pp |
| Employer contribution / active EE | $635 | $2,541-75.0% | $3,689-82.8% | $2,019-68.5% |
| Participant deferral / active EE | $1,381 | $3,295-58.1% | $5,072-72.8% | $3,358-58.9% |
| Admin fee / account holder | $15,160 | $4,073+272.2% | $8,859+71.1% | $3,203+373.3% |