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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 | $98,404 | $102,429-3.9% | $147,096-33.1% | $80,925+21.6% |
| Participation rate | 40.5% | 75.9%-35.4pp | 82.2%-41.7pp | 67.7%-27.2pp |
| Annual return | 9.63% | 135.02%-125.4pp | 419.75%-410.1pp | 35.65%-26.0pp |
| Employer contribution / active EE | $1,025 | $3,716-72.4% | $4,936-79.2% | $2,756-62.8% |
| Participant deferral / active EE | $1,241 | $6,649-81.3% | $8,071-84.6% | $4,299-71.1% |
| Admin fee / account holder | $2,502 | $7,957-68.5% | $13,005-80.8% | $6,940-63.9% |