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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 | $93,723 | $118,869-21.2% | $96,575-3.0% | $167,518-44.1% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.8%-19.8pp | 82.1%-32.1pp |
| Annual return | -2.47% | 50.49%-53.0pp | 37.79%-40.3pp | 478.71%-481.2pp |
| Employer contribution / active EE | $664 | $3,120-78.7% | $2,357-71.8% | $4,838-86.3% |
| Participant deferral / active EE | $1,019 | $4,616-77.9% | $3,849-73.5% | $6,342-83.9% |
| Admin fee / account holder | $683 | $8,067-91.5% | $6,182-88.9% | $12,312-94.4% |