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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 | $115,450 | $77,638+48.7% | $156,552-26.3% | $62,881+83.6% |
| Participation rate | 2.6% | 71.2%-68.6pp | 84.0%-81.4pp | 69.3%-66.7pp |
| Annual return | -6.59% | 50.33%-56.9pp | 32.23%-38.8pp | 20.14%-26.7pp |
| Employer contribution / active EE | $918 | $3,444-73.4% | $5,501-83.3% | $2,281-59.8% |
| Participant deferral / active EE | $0 | $3,046-100.0% | $4,871-100.0% | $3,203-100.0% |
| Admin fee / account holder | $6,013 | $5,561+8.1% | $13,028-53.8% | $4,296+40.0% |