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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 | $148,369 | $111,785+32.7% | $93,669+58.4% | $145,877+1.7% |
| Participation rate | 53.8% | 74.2%-20.4pp | 68.7%-14.9pp | 80.3%-26.5pp |
| Annual return | 3.20% | 203.79%-200.6pp | 133.59%-130.4pp | 551.28%-548.1pp |
| Employer contribution / active EE | $1,092 | $3,096-64.7% | $2,424-54.9% | $4,663-76.6% |
| Participant deferral / active EE | $296 | $4,919-94.0% | $4,416-93.3% | $6,691-95.6% |
| Admin fee / account holder | $4,868 | $10,256-52.5% | $8,291-41.3% | $13,402-63.7% |