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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 | $26,291 | $40,278-34.7% | $80,607-67.4% | $80,149-67.2% |
| Participation rate | 3.1% | 47.5%-44.4pp | 67.0%-63.9pp | 72.9%-69.8pp |
| Annual return | 15.48% | 50.86%-35.4pp | 936.11%-920.6pp | 40.39%-24.9pp |
| Employer contribution / active EE | $0 | $1,332-100.0% | $2,724-100.0% | $2,977-100.0% |
| Participant deferral / active EE | $113 | $2,696-95.8% | $4,448-97.5% | $5,015-97.7% |
| Admin fee / account holder | $843 | $210+300.8% | $5,379-84.3% | $145+481.5% |