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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 | $174,198 | $175,259-0.6% | $149,723+16.3% | $139,487+24.9% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 3.67% | 166.82%-163.2pp | 134.50%-130.8pp | 373.84%-370.2pp |
| Employer contribution / active EE | $15,642 | $5,478+185.5% | $4,821+224.4% | $4,755+229.0% |
| Participant deferral / active EE | $713 | $6,522-89.1% | $5,682-87.4% | $6,713-89.4% |
| Admin fee / account holder | $8,997 | $16,158-44.3% | $13,215-31.9% | $11,407-21.1% |