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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 | $23,916 | $36,595-34.6% | $88,179-72.9% | $71,012-66.3% |
| Participation rate | 5.2% | 29.2%-23.9pp | 69.1%-63.9pp | 58.6%-53.3pp |
| Annual return | 11.53% | 61.46%-49.9pp | 64.97%-53.4pp | 37.67%-26.1pp |
| Employer contribution / active EE | $0 | $787-100.0% | $2,549-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $116 | $1,195-90.3% | $4,614-97.5% | $3,246-96.4% |
| Admin fee / account holder | $3,129 | $2,755+13.6% | $7,673-59.2% | $1,167+168.1% |