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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 | $58,269 | $61,755-5.6% | $97,161-40.0% | $80,911-28.0% |
| Participation rate | 16.7% | 63.5%-46.8pp | 72.7%-56.0pp | 67.6%-51.0pp |
| Annual return | 9.48% | -557.90%+567.4pp | 75.36%-65.9pp | 35.63%-26.2pp |
| Employer contribution / active EE | $528 | $1,835-71.2% | $2,723-80.6% | $2,756-80.8% |
| Participant deferral / active EE | $946 | $3,026-68.7% | $4,265-77.8% | $4,297-78.0% |
| Admin fee / account holder | $5,979 | $5,166+15.7% | $5,647+5.9% | $6,935-13.8% |