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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 | $30,006 | $102,393-70.7% | $147,041-79.6% | $80,911-62.9% |
| Participation rate | 48.1% | 75.9%-27.7pp | 82.2%-34.0pp | 67.6%-19.5pp |
| Annual return | 10.13% | 134.95%-124.8pp | 419.21%-409.1pp | 35.63%-25.5pp |
| Employer contribution / active EE | $936 | $3,715-74.8% | $4,935-81.0% | $2,756-66.0% |
| Participant deferral / active EE | $1,372 | $6,647-79.4% | $8,071-83.0% | $4,297-68.1% |
| Admin fee / account holder | $1,437 | $7,943-81.9% | $13,006-89.0% | $6,935-79.3% |