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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 | $137,949 | $85,766+60.8% | $136,298+1.2% | $70,126+96.7% |
| Participation rate | 20.0% | 74.2%-54.2pp | 81.9%-61.9pp | 69.5%-49.5pp |
| Annual return | 12.04% | 31.46%-19.4pp | 5156.27%-5144.2pp | 73.15%-61.1pp |
| Employer contribution / active EE | $725 | $2,966-75.5% | $4,696-84.6% | $2,343-69.0% |
| Participant deferral / active EE | $1,400 | $5,051-72.3% | $6,247-77.6% | $3,332-58.0% |
| Admin fee / account holder | $1,000 | $5,421-81.6% | $9,244-89.2% | $4,645-78.5% |