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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 | $30,214 | $102,422-70.5% | $147,117-79.5% | $80,959-62.7% |
| Participation rate | 46.4% | 75.9%-29.4pp | 82.2%-35.8pp | 67.7%-21.2pp |
| Annual return | 9.80% | 135.16%-125.4pp | 420.54%-410.7pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,122 | $3,717-69.8% | $4,932-77.3% | $2,757-59.3% |
| Participant deferral / active EE | $2,267 | $6,652-65.9% | $8,065-71.9% | $4,300-47.3% |
| Admin fee / account holder | $3,906 | $7,953-50.9% | $12,993-69.9% | $6,925-43.6% |