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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 | $81,978 | $101,672-19.4% | $147,117-44.3% | $74,478+10.1% |
| Participation rate | 44.5% | 75.5%-31.0pp | 82.2%-37.7pp | 67.2%-22.7pp |
| Annual return | 11.20% | 8757.83%-8746.6pp | 420.54%-409.3pp | 1370.56%-1359.4pp |
| Employer contribution / active EE | $1,272 | $3,813-66.6% | $4,932-74.2% | $2,626-51.6% |
| Participant deferral / active EE | $2,537 | $7,305-65.3% | $8,065-68.5% | $4,350-41.7% |
| Admin fee / account holder | $3,372 | $1,753+92.3% | $12,993-74.0% | $1,946+73.3% |