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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 | $135,982 | $49,976+172.1% | $66,674+104.0% | $82,637+64.6% |
| Participation rate | 18.5% | 63.1%-44.6pp | 73.7%-55.2pp | 68.1%-49.5pp |
| Annual return | 10.90% | 39.09%-28.2pp | 321.24%-310.3pp | 53.51%-42.6pp |
| Employer contribution / active EE | $1,222 | $1,988-38.6% | $2,620-53.4% | $2,552-52.1% |
| Participant deferral / active EE | $120 | $2,847-95.8% | $4,084-97.1% | $4,126-97.1% |
| Admin fee / account holder | $8,074 | $4,594+75.8% | $5,098+58.4% | $7,339+10.0% |