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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 | $96,949 | $102,385-5.3% | $147,080-34.1% | $80,935+19.8% |
| Participation rate | 39.0% | 75.9%-36.8pp | 82.2%-43.2pp | 67.7%-28.6pp |
| Annual return | 11.14% | 135.09%-124.0pp | 420.17%-409.0pp | 35.66%-24.5pp |
| Employer contribution / active EE | $1,569 | $3,717-57.8% | $4,933-68.2% | $2,757-43.1% |
| Participant deferral / active EE | $2,010 | $6,651-69.8% | $8,066-75.1% | $4,299-53.3% |
| Admin fee / account holder | $6,717 | $7,951-15.5% | $12,989-48.3% | $6,924-3.0% |