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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 | $33,996 | $54,320-37.4% | $67,652-49.7% | $52,331-35.0% |
| Participation rate | 46.9% | 73.6%-26.7pp | 75.7%-28.8pp | 68.1%-21.2pp |
| Annual return | -2.77% | 6.81%-9.6pp | 6625.40%-6628.2pp | 4.54%-7.3pp |
| Employer contribution / active EE | $737 | $1,544-52.2% | $2,266-67.5% | $1,882-60.8% |
| Participant deferral / active EE | $1,190 | $2,950-59.6% | $3,560-66.6% | $3,022-60.6% |
| Admin fee / account holder | $1,656 | $527+214.6% | $4,821-65.6% | $592+180.0% |