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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 | $45,848 | $72,404-36.7% | $110,243-58.4% | $64,173-28.6% |
| Participation rate | 34.2% | 73.3%-39.1pp | 79.8%-45.6pp | 69.6%-35.4pp |
| Annual return | -14.66% | -6.29%-8.4pp | 314.76%-329.4pp | 7.63%-22.3pp |
| Employer contribution / active EE | $587 | $2,282-74.3% | $3,827-84.7% | $2,381-75.3% |
| Participant deferral / active EE | $821 | $3,469-76.3% | $4,672-82.4% | $3,470-76.3% |
| Admin fee / account holder | $692 | $5,664-87.8% | $8,548-91.9% | $4,887-85.8% |