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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 | $60,442-34.0% | $96,754-58.8% | $87,485-54.4% |
| Participation rate | 5.7% | 58.7%-53.0pp | 70.3%-64.6pp | 68.9%-63.2pp |
| Annual return | -11.90% | 21.97%-33.9pp | 82.04%-93.9pp | 26.06%-38.0pp |
| Employer contribution / active EE | $354 | $1,691-79.0% | $2,679-86.8% | $2,596-86.4% |
| Participant deferral / active EE | $648 | $3,280-80.2% | $4,758-86.4% | $4,274-84.8% |
| Admin fee / account holder | $9,492 | $5,069+87.3% | $8,905+6.6% | $7,775+22.1% |