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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 | $23,581 | $77,817-69.7% | $123,553-80.9% | $64,173-63.3% |
| Participation rate | 10.3% | 74.7%-64.4pp | 82.3%-72.0pp | 69.6%-59.2pp |
| Annual return | -12.07% | 12.49%-24.6pp | 119.21%-131.3pp | 7.63%-19.7pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,258 | $5,240-76.0% | $6,426-80.4% | $3,470-63.8% |
| Admin fee / account holder | $468 | $5,519-91.5% | $9,284-95.0% | $4,887-90.4% |