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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 | $39,075 | $44,425-12.0% | $67,834-42.4% | $55,167-29.2% |
| Participation rate | 5.1% | 59.7%-54.6pp | 68.8%-63.7pp | 69.0%-63.9pp |
| Annual return | 4.03% | 17.80%-13.8pp | 138.47%-134.4pp | 169.23%-165.2pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,403-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $213 | $2,166-90.2% | $3,160-93.3% | $3,054-93.0% |
| Admin fee / account holder | $2,579 | $530+386.2% | $4,622-44.2% | $504+411.8% |