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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 | $31,502 | $110,483-71.5% | $145,433-78.3% | $79,634-60.4% |
| Participation rate | 7.2% | 71.1%-63.9pp | 82.1%-75.0pp | 62.5%-55.3pp |
| Annual return | 13.69% | 24.62%-10.9pp | 66.58%-52.9pp | 36.46%-22.8pp |
| Employer contribution / active EE | $0 | $4,053-100.0% | $4,554-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $420 | $7,216-94.2% | $7,897-94.7% | $3,835-89.1% |
| Admin fee / account holder | $7,315 | $680+975.6% | $13,129-44.3% | $1,002+630.1% |