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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 | $77,330 | $112,121-31.0% | $95,960-19.4% | $158,966-51.4% |
| Participation rate | 50.0% | 79.0%-29.0pp | 77.1%-27.1pp | 82.0%-32.0pp |
| Annual return | 5.98% | 171.16%-165.2pp | 91.63%-85.7pp | 302.95%-297.0pp |
| Employer contribution / active EE | $665 | $3,199-79.2% | $2,541-73.8% | $4,762-86.0% |
| Participant deferral / active EE | $1,354 | $4,784-71.7% | $4,167-67.5% | $5,983-77.4% |
| Admin fee / account holder | $623 | $10,135-93.9% | $6,797-90.8% | $11,250-94.5% |