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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 | $68,378 | $86,655-21.1% | $119,608-42.8% | $66,930+2.2% |
| Participation rate | 30.7% | 75.6%-44.9pp | 79.3%-48.6pp | 69.8%-39.1pp |
| Annual return | -19.42% | -8.00%-11.4pp | -14.98%-4.4pp | 1.57%-21.0pp |
| Employer contribution / active EE | $969 | $2,536-61.8% | $4,232-77.1% | $2,545-61.9% |
| Participant deferral / active EE | $1,898 | $4,358-56.4% | $5,601-66.1% | $4,238-55.2% |
| Admin fee / account holder | $3,248 | $755+330.4% | $10,326-68.5% | $593+447.4% |