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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 | $84,642 | $102,393-17.3% | $147,041-42.4% | $80,911+4.6% |
| Participation rate | 59.3% | 75.9%-16.6pp | 82.2%-22.9pp | 67.6%-8.4pp |
| Annual return | 10.08% | 134.95%-124.9pp | 419.21%-409.1pp | 35.63%-25.5pp |
| Employer contribution / active EE | $1,764 | $3,715-52.5% | $4,935-64.3% | $2,756-36.0% |
| Participant deferral / active EE | $2,137 | $6,647-67.9% | $8,071-73.5% | $4,297-50.3% |
| Admin fee / account holder | $2,475 | $7,943-68.8% | $13,006-81.0% | $6,935-64.3% |