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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 | $69,109 | $102,393-32.5% | $147,041-53.0% | $80,911-14.6% |
| Participation rate | 25.6% | 75.9%-50.2pp | 82.2%-56.5pp | 67.6%-42.0pp |
| Annual return | 9.77% | 134.95%-125.2pp | 419.21%-409.4pp | 35.63%-25.9pp |
| Employer contribution / active EE | $1,223 | $3,715-67.1% | $4,935-75.2% | $2,756-55.6% |
| Participant deferral / active EE | $2,242 | $6,647-66.3% | $8,071-72.2% | $4,297-47.8% |
| Admin fee / account holder | $11,558 | $7,943+45.5% | $13,006-11.1% | $6,935+66.7% |