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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 | $25,025 | $77,816-67.8% | $123,552-79.7% | $64,173-61.0% |
| Participation rate | 18.9% | 74.7%-55.8pp | 82.3%-63.4pp | 69.6%-50.7pp |
| Annual return | -16.90% | 12.49%-29.4pp | 119.20%-136.1pp | 7.63%-24.5pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,008 | $5,240-61.7% | $6,426-68.8% | $3,470-42.1% |
| Admin fee / account holder | $3,745 | $5,519-32.1% | $9,285-59.7% | $4,887-23.4% |