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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 | $44,452 | $57,352-22.5% | $83,831-47.0% | $64,173-30.7% |
| Participation rate | 44.4% | 68.6%-24.2pp | 76.1%-31.7pp | 69.6%-25.1pp |
| Annual return | -8.64% | 11.38%-20.0pp | 850.99%-859.6pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,834 | $2,546-27.9% | $3,631-49.5% | $2,381-23.0% |
| Participant deferral / active EE | $1,167 | $2,993-61.0% | $4,082-71.4% | $3,470-66.4% |
| Admin fee / account holder | $1,948 | $4,046-51.9% | $5,479-64.4% | $4,887-60.1% |