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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 | $16,901 | $132,634-87.3% | $115,768-85.4% | $137,256-87.7% |
| Participation rate | 42.9% | 77.9%-35.0pp | 74.4%-31.5pp | 80.0%-37.1pp |
| Annual return | 3.89% | 160.70%-156.8pp | 100.46%-96.6pp | 220.34%-216.5pp |
| Employer contribution / active EE | $1,187 | $3,360-64.7% | $2,940-59.6% | $4,156-71.4% |
| Participant deferral / active EE | $482 | $5,619-91.4% | $4,917-90.2% | $6,407-92.5% |
| Admin fee / account holder | $5,211 | $15,028-65.3% | $12,439-58.1% | $12,270-57.5% |