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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 | $165,021 | $60,442+173.0% | $96,754+70.6% | $87,485+88.6% |
| Participation rate | 48.4% | 58.7%-10.3pp | 70.3%-21.9pp | 68.9%-20.5pp |
| Annual return | -33.62% | 21.97%-55.6pp | 82.04%-115.7pp | 26.06%-59.7pp |
| Employer contribution / active EE | $430 | $1,691-74.6% | $2,679-84.0% | $2,596-83.4% |
| Participant deferral / active EE | $430 | $3,280-86.9% | $4,758-91.0% | $4,274-89.9% |
| Admin fee / account holder | $3,072 | $5,069-39.4% | $8,905-65.5% | $7,775-60.5% |