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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 | $24,434 | $82,678-70.4% | $125,391-80.5% | $68,490-64.3% |
| Participation rate | 64.2% | 75.1%-10.9pp | 82.4%-18.2pp | 67.9%-3.7pp |
| Annual return | -19.53% | -5.97%-13.6pp | 572.41%-591.9pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,034 | $3,382-69.4% | $4,816-78.5% | $2,597-60.2% |
| Participant deferral / active EE | $1,744 | $6,111-71.5% | $7,448-76.6% | $4,028-56.7% |
| Admin fee / account holder | $5,553 | $6,277-11.5% | $10,009-44.5% | $5,403+2.8% |