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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 | $41,665 | $58,828-29.2% | $78,002-46.6% | $62,881-33.7% |
| Participation rate | 52.6% | 71.1%-18.5pp | 75.5%-23.0pp | 69.3%-16.7pp |
| Annual return | 3.45% | 17.16%-13.7pp | 425.99%-422.5pp | 20.14%-16.7pp |
| Employer contribution / active EE | $794 | $1,672-52.5% | $2,470-67.9% | $2,281-65.2% |
| Participant deferral / active EE | $1,085 | $2,686-59.6% | $3,497-69.0% | $3,203-66.1% |
| Admin fee / account holder | $12,224 | $4,393+178.2% | $5,481+123.0% | $4,296+184.6% |