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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 | $31,062 | $45,566-31.8% | $64,105-51.5% | $59,632-47.9% |
| Participation rate | 42.4% | 60.2%-17.7pp | 68.2%-25.7pp | 68.7%-26.2pp |
| Annual return | -2.96% | 4.95%-7.9pp | 791.24%-794.2pp | 2041.32%-2044.3pp |
| Employer contribution / active EE | $661 | $934-29.3% | $1,820-63.7% | $2,203-70.0% |
| Participant deferral / active EE | $875 | $2,057-57.5% | $2,822-69.0% | $3,192-72.6% |
| Admin fee / account holder | $3,972 | $3,268+21.5% | $4,499-11.7% | $4,297-7.6% |