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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 | $4,702 | $27,632-83.0% | $61,452-92.3% | $68,486-93.1% |
| Participation rate | 7.5% | 39.5%-32.0pp | 52.6%-45.0pp | 67.9%-60.3pp |
| Annual return | -40.91% | -13.24%-27.7pp | 338.96%-379.9pp | -7.85%-33.1pp |
| Employer contribution / active EE | $175 | $696-74.8% | $1,160-84.9% | $2,597-93.3% |
| Participant deferral / active EE | $205 | $1,264-83.8% | $2,125-90.4% | $4,028-94.9% |
| Admin fee / account holder | $367 | $2,010-81.7% | $2,131-82.8% | $5,404-93.2% |