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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 | $31,974 | $42,546-24.8% | $71,796-55.5% | $55,167-42.0% |
| Participation rate | 13.6% | 59.1%-45.5pp | 69.1%-55.5pp | 69.0%-55.4pp |
| Annual return | 4.17% | 12.36%-8.2pp | 78.04%-73.9pp | 169.23%-165.1pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $736 | $2,064-64.4% | $2,794-73.7% | $3,054-75.9% |
| Admin fee / account holder | $432 | $650-33.5% | $4,815-91.0% | $504-14.2% |