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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 | $33,675 | $45,872-26.6% | $77,100-56.3% | $68,490-50.8% |
| Participation rate | 9.1% | 55.9%-46.8pp | 67.9%-58.8pp | 67.9%-58.8pp |
| Annual return | -25.13% | 1.73%-26.9pp | 42.35%-67.5pp | -7.85%-17.3pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $496 | $2,963-83.3% | $4,430-88.8% | $4,028-87.7% |
| Admin fee / account holder | $310 | $3,041-89.8% | $5,443-94.3% | $5,403-94.3% |