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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 | $42,216 | $48,570-13.1% | $130,660-67.7% | $72,983-42.2% |
| Participation rate | 45.7% | 58.6%-12.9pp | 71.7%-26.1pp | 69.5%-23.8pp |
| Annual return | 16.23% | 38.63%-22.4pp | 1709.29%-1693.1pp | 81.01%-64.8pp |
| Employer contribution / active EE | $834 | $1,334-37.5% | $4,092-79.6% | $2,440-65.8% |
| Participant deferral / active EE | $928 | $2,384-61.1% | $3,603-74.2% | $3,608-74.3% |
| Admin fee / account holder | $2,003 | $3,549-43.6% | $5,463-63.3% | $5,124-60.9% |