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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 | $41,887 | $105,200-60.2% | $159,474-73.7% | $85,847-51.2% |
| Participation rate | 38.8% | 75.8%-37.0pp | 82.8%-44.0pp | 69.3%-30.5pp |
| Annual return | 11.95% | 45.08%-33.1pp | 263.68%-251.7pp | 318.61%-306.7pp |
| Employer contribution / active EE | $930 | $3,319-72.0% | $4,831-80.7% | $2,565-63.7% |
| Participant deferral / active EE | $1,764 | $5,946-70.3% | $7,353-76.0% | $3,952-55.4% |
| Admin fee / account holder | $1,876 | $6,934-72.9% | $10,802-82.6% | $6,261-70.0% |