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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 | $58,467 | $48,053+21.7% | $84,637-30.9% | $72,976-19.9% |
| Participation rate | 57.1% | 57.6%-0.4pp | 68.2%-11.1pp | 69.5%-12.3pp |
| Annual return | -0.42% | 37.39%-37.8pp | 258.82%-259.2pp | 81.02%-81.4pp |
| Employer contribution / active EE | $278 | $1,602-82.6% | $2,653-89.5% | $2,440-88.6% |
| Participant deferral / active EE | $278 | $2,681-89.6% | $3,900-92.9% | $3,608-92.3% |
| Admin fee / account holder | $761 | $3,395-77.6% | $4,914-84.5% | $5,124-85.2% |