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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 | $39,995 | $45,152-11.4% | $73,836-45.8% | $59,633-32.9% |
| Participation rate | 31.3% | 64.0%-32.8pp | 73.4%-42.2pp | 68.7%-37.4pp |
| Annual return | -4.00% | 27.40%-31.4pp | 2268.06%-2272.1pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $514 | $1,901-73.0% | $2,787-81.6% | $2,203-76.7% |
| Participant deferral / active EE | $555 | $2,573-78.4% | $3,583-84.5% | $3,192-82.6% |
| Admin fee / account holder | $1,154 | $3,515-67.2% | $4,882-76.4% | $4,297-73.1% |