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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 | $102,429-70.5% | $147,096-79.5% | $80,925-62.7% |
| Participation rate | 46.4% | 75.9%-29.4pp | 82.2%-35.8pp | 67.7%-21.2pp |
| Annual return | 9.80% | 135.02%-125.2pp | 419.75%-410.0pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,122 | $3,716-69.8% | $4,936-77.3% | $2,756-59.3% |
| Participant deferral / active EE | $2,267 | $6,649-65.9% | $8,071-71.9% | $4,299-47.3% |
| Admin fee / account holder | $3,906 | $7,957-50.9% | $13,005-70.0% | $6,940-43.7% |