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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 | $28,108 | $41,150-31.7% | $80,627-65.1% | $71,511-60.7% |
| Participation rate | 11.6% | 50.3%-38.6pp | 67.0%-55.4pp | 67.9%-56.3pp |
| Annual return | 13.95% | 38.48%-24.5pp | 936.76%-922.8pp | 28.86%-14.9pp |
| Employer contribution / active EE | $0 | $1,515-100.0% | $2,723-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $506 | $2,701-81.3% | $4,443-88.6% | $4,291-88.2% |
| Admin fee / account holder | $6,750 | $1,841+266.6% | $5,381+25.4% | $1,588+324.9% |