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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 | $39,570 | $78,483-49.6% | $106,201-62.7% | $74,546-46.9% |
| Participation rate | 10.2% | 72.8%-62.6pp | 75.3%-65.1pp | 67.2%-57.0pp |
| Annual return | 9.98% | 15.94%-6.0pp | 116.26%-106.3pp | 1366.03%-1356.1pp |
| Employer contribution / active EE | $0 | $2,522-100.0% | $3,170-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $134 | $4,320-96.9% | $5,012-97.3% | $4,347-96.9% |
| Admin fee / account holder | $13,161 | $2,236+488.7% | $11,039+19.2% | $1,944+577.1% |