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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 | $38,860 | $79,189-50.9% | $102,457-62.1% | $74,400-47.8% |
| Participation rate | 58.0% | 74.8%-16.7pp | 76.5%-18.5pp | 67.2%-9.2pp |
| Annual return | 10.60% | 54.98%-44.4pp | 29.41%-18.8pp | 1367.51%-1356.9pp |
| Employer contribution / active EE | $1,415 | $2,362-40.1% | $3,022-53.2% | $2,624-46.1% |
| Participant deferral / active EE | $2,100 | $4,415-52.4% | $5,054-58.5% | $4,348-51.7% |
| Admin fee / account holder | $4,701 | $2,002+134.8% | $9,451-50.3% | $1,944+141.9% |