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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 | $45,852 | $92,219-50.3% | $76,767-40.3% | $135,380-66.1% |
| Participation rate | 65.2% | 79.8%-14.6pp | 77.0%-11.7pp | 82.6%-17.4pp |
| Annual return | -10.38% | 5.46%-15.8pp | 2.43%-12.8pp | 519.81%-530.2pp |
| Employer contribution / active EE | $0 | $3,216-100.0% | $2,485-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,255 | $4,508-72.2% | $3,852-67.4% | $5,609-77.6% |
| Admin fee / account holder | $3,787 | $10,749-64.8% | $6,675-43.3% | $10,828-65.0% |