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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 | $61,737 | $102,422-39.7% | $147,117-58.0% | $80,959-23.7% |
| Participation rate | 45.5% | 75.9%-30.4pp | 82.2%-36.7pp | 67.7%-22.2pp |
| Annual return | 11.44% | 135.16%-123.7pp | 420.54%-409.1pp | 35.67%-24.2pp |
| Employer contribution / active EE | $988 | $3,717-73.4% | $4,932-80.0% | $2,757-64.2% |
| Participant deferral / active EE | $2,271 | $6,652-65.9% | $8,065-71.8% | $4,300-47.2% |
| Admin fee / account holder | $3,168 | $7,953-60.2% | $12,993-75.6% | $6,925-54.3% |