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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 | $28,696 | $77,816-63.1% | $123,552-76.8% | $64,173-55.3% |
| Participation rate | 29.7% | 74.7%-45.0pp | 82.3%-52.6pp | 69.6%-39.8pp |
| Annual return | -12.86% | 12.49%-25.3pp | 119.20%-132.1pp | 7.63%-20.5pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,592 | $5,240-69.6% | $6,426-75.2% | $3,470-54.1% |
| Admin fee / account holder | $1,602 | $5,519-71.0% | $9,285-82.7% | $4,887-67.2% |