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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 | $52,822 | $54,320-2.8% | $67,652-21.9% | $52,331+0.9% |
| Participation rate | 39.3% | 73.6%-34.3pp | 75.7%-36.4pp | 68.1%-28.9pp |
| Annual return | -2.78% | 6.81%-9.6pp | 6625.40%-6628.2pp | 4.54%-7.3pp |
| Employer contribution / active EE | $1,158 | $1,544-25.0% | $2,266-48.9% | $1,882-38.4% |
| Participant deferral / active EE | $663 | $2,950-77.5% | $3,560-81.4% | $3,022-78.1% |
| Admin fee / account holder | $524 | $527-0.6% | $4,821-89.1% | $592-11.5% |