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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 | $101,218 | $48,364+109.3% | $71,796+41.0% | $62,881+61.0% |
| Participation rate | 12.5% | 60.6%-48.1pp | 69.1%-56.6pp | 69.3%-56.8pp |
| Annual return | -6.80% | 13.16%-20.0pp | 78.04%-84.8pp | 20.14%-26.9pp |
| Employer contribution / active EE | $400 | $1,042-61.7% | $1,924-79.2% | $2,281-82.5% |
| Participant deferral / active EE | $725 | $2,091-65.3% | $2,794-74.0% | $3,203-77.4% |
| Admin fee / account holder | $6,340 | $3,771+68.1% | $4,815+31.7% | $4,296+47.6% |