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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 | $39,661 | $49,199-19.4% | $121,210-67.3% | $75,177-47.2% |
| Participation rate | 7.5% | 55.4%-47.9pp | 69.5%-62.0pp | 67.2%-59.7pp |
| Annual return | 11.75% | 56.04%-44.3pp | 987.41%-975.7pp | 160.75%-149.0pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,171-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $630 | $2,630-76.1% | $4,084-84.6% | $4,126-84.7% |
| Admin fee / account holder | $9,078 | $3,946+130.0% | $5,647+60.7% | $5,651+60.6% |