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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 | $102,331 | $73,518+39.2% | $63,005+62.4% | $147,585-30.7% |
| Participation rate | 22.7% | 77.9%-55.1pp | 74.8%-52.1pp | 82.8%-60.1pp |
| Annual return | 1.63% | 175.46%-173.8pp | 87.59%-86.0pp | 578.58%-577.0pp |
| Employer contribution / active EE | $3,161 | $3,322-4.9% | $2,760+14.5% | $4,876-35.2% |
| Participant deferral / active EE | $671 | $4,183-84.0% | $3,329-79.8% | $5,439-87.7% |
| Admin fee / account holder | $23,238 | $5,952+290.4% | $3,599+545.6% | $10,886+113.5% |