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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 | $218,415 | $102,422+113.3% | $147,117+48.5% | $80,959+169.8% |
| Participation rate | 25.0% | 75.9%-50.9pp | 82.2%-57.2pp | 67.7%-42.7pp |
| Annual return | 9.95% | 135.16%-125.2pp | 420.54%-410.6pp | 35.67%-25.7pp |
| Employer contribution / active EE | $1,013 | $3,717-72.8% | $4,932-79.5% | $2,757-63.3% |
| Participant deferral / active EE | $2,592 | $6,652-61.0% | $8,065-67.9% | $4,300-39.7% |
| Admin fee / account holder | $26,192 | $7,953+229.3% | $12,993+101.6% | $6,925+278.2% |