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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 | $58,126 | $45,152+28.7% | $73,836-21.3% | $59,633-2.5% |
| Participation rate | 5.1% | 64.0%-58.9pp | 73.4%-68.3pp | 68.7%-63.5pp |
| Annual return | -5.75% | 27.40%-33.2pp | 2268.06%-2273.8pp | 2041.45%-2047.2pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,787-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $550 | $2,573-78.6% | $3,583-84.7% | $3,192-82.8% |
| Admin fee / account holder | $2,815 | $3,515-19.9% | $4,882-42.3% | $4,297-34.5% |