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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 | $102,422-3.9% | $147,117-33.1% | $80,959+21.5% |
| Participation rate | 40.5% | 75.9%-35.4pp | 82.2%-41.7pp | 67.7%-27.2pp |
| Annual return | 9.63% | 135.16%-125.5pp | 420.54%-410.9pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,025 | $3,717-72.4% | $4,932-79.2% | $2,757-62.8% |
| Participant deferral / active EE | $1,241 | $6,652-81.3% | $8,065-84.6% | $4,300-71.1% |
| Admin fee / account holder | $2,502 | $7,953-68.5% | $12,993-80.7% | $6,925-63.9% |