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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 | $174,276 | $110,093+58.3% | $97,295+79.1% | $145,897+19.5% |
| Participation rate | 15.0% | 75.9%-60.9pp | 72.7%-57.7pp | 80.3%-65.3pp |
| Annual return | -21.55% | 244.76%-266.3pp | 75.62%-97.2pp | 552.29%-573.8pp |
| Employer contribution / active EE | $444 | $3,077-85.6% | $2,723-83.7% | $4,663-90.5% |
| Participant deferral / active EE | $444 | $4,678-90.5% | $4,264-89.6% | $6,689-93.4% |
| Admin fee / account holder | $7,562 | $6,212+21.7% | $5,646+33.9% | $13,390-43.5% |