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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 | $171,935 | $209,847-18.1% | $189,520-9.3% | $167,518+2.6% |
| Participation rate | 68.2% | 88.7%-20.5pp | 87.8%-19.6pp | 82.1%-13.9pp |
| Annual return | 6.13% | 748.45%-742.3pp | 555.25%-549.1pp | 478.71%-472.6pp |
| Employer contribution / active EE | $1,633 | $6,913-76.4% | $6,161-73.5% | $4,838-66.3% |
| Participant deferral / active EE | $3,343 | $8,934-62.6% | $8,220-59.3% | $6,342-47.3% |
| Admin fee / account holder | $16,936 | $14,295+18.5% | $12,046+40.6% | $12,312+37.5% |