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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 | $129,694 | $111,830+16.0% | $93,696+38.4% | $145,884-11.1% |
| Participation rate | 60.9% | 74.2%-13.4pp | 68.7%-7.9pp | 80.3%-19.4pp |
| Annual return | 1.86% | 204.08%-202.2pp | 133.74%-131.9pp | 551.85%-550.0pp |
| Employer contribution / active EE | $691 | $3,093-77.7% | $2,422-71.5% | $4,662-85.2% |
| Participant deferral / active EE | $864 | $4,920-82.4% | $4,417-80.4% | $6,690-87.1% |
| Admin fee / account holder | $787 | $10,249-92.3% | $8,287-90.5% | $13,392-94.1% |