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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 | $39,873 | $57,590-30.8% | $86,233-53.8% | $82,448-51.6% |
| Participation rate | 5.7% | 57.9%-52.2pp | 69.0%-63.3pp | 68.1%-62.4pp |
| Annual return | -11.90% | 22.41%-34.3pp | 61.39%-73.3pp | 41.64%-53.5pp |
| Employer contribution / active EE | $354 | $1,655-78.6% | $2,504-85.9% | $2,551-86.1% |
| Participant deferral / active EE | $648 | $3,080-79.0% | $4,559-85.8% | $4,139-84.3% |
| Admin fee / account holder | $9,492 | $4,730+100.7% | $8,342+13.8% | $7,234+31.2% |