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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 | $44,831 | $52,450-14.5% | $129,397-65.4% | $74,429-39.8% |
| Participation rate | 10.9% | 53.8%-43.0pp | 69.6%-58.7pp | 67.2%-56.3pp |
| Annual return | 7.79% | 15.65%-7.9pp | 9453.98%-9446.2pp | 1368.38%-1360.6pp |
| Employer contribution / active EE | $0 | $1,532-100.0% | $4,154-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $789 | $2,797-71.8% | $4,167-81.1% | $4,348-81.8% |
| Admin fee / account holder | $2,036 | $2,636-22.8% | $7,679-73.5% | $1,944+4.7% |