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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 | $28,153 | $49,471-43.1% | $79,583-64.6% | $66,949-57.9% |
| Participation rate | 45.9% | 61.4%-15.4pp | 69.5%-23.6pp | 69.8%-23.9pp |
| Annual return | -18.68% | 84.30%-103.0pp | 0.16%-18.8pp | 1.57%-20.2pp |
| Employer contribution / active EE | $678 | $1,266-46.5% | $2,414-71.9% | $2,545-73.4% |
| Participant deferral / active EE | $1,105 | $3,160-65.0% | $3,986-72.3% | $4,239-73.9% |
| Admin fee / account holder | $1,590 | $595+167.3% | $6,835-76.7% | $594+167.9% |