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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 | $45,589 | $65,575-30.5% | $86,209-47.1% | $75,181-39.4% |
| Participation rate | 19.1% | 60.5%-41.3pp | 69.0%-49.8pp | 67.2%-48.0pp |
| Annual return | 9.77% | 46.07%-36.3pp | 1169.05%-1159.3pp | 160.69%-150.9pp |
| Employer contribution / active EE | $458 | $1,553-70.5% | $2,381-80.8% | $2,671-82.9% |
| Participant deferral / active EE | $1,111 | $3,023-63.3% | $3,986-72.1% | $4,126-73.1% |
| Admin fee / account holder | $15,166 | $5,470+177.3% | $6,853+121.3% | $5,650+168.4% |