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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 | $27,868 | $65,034-57.1% | $90,970-69.4% | $79,856-65.1% |
| Participation rate | 16.3% | 61.6%-45.3pp | 69.0%-52.7pp | 69.6%-53.3pp |
| Annual return | -1.01% | 30.45%-31.5pp | 134.60%-135.6pp | 31.71%-32.7pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $744 | $2,512-70.4% | $3,373-77.9% | $3,741-80.1% |
| Admin fee / account holder | $3,631 | $4,536-19.9% | $5,961-39.1% | $5,306-31.6% |