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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 | $21,127 | $41,150-48.7% | $80,627-73.8% | $71,511-70.5% |
| Participation rate | 16.0% | 50.3%-34.2pp | 67.0%-51.0pp | 67.9%-51.9pp |
| Annual return | 14.41% | 38.48%-24.1pp | 936.76%-922.3pp | 28.86%-14.4pp |
| Employer contribution / active EE | $300 | $1,515-80.2% | $2,723-89.0% | $2,589-88.4% |
| Participant deferral / active EE | $555 | $2,701-79.5% | $4,443-87.5% | $4,291-87.1% |
| Admin fee / account holder | $3,000 | $1,841+62.9% | $5,381-44.3% | $1,588+88.8% |