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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 | $57,857 | $66,302-12.7% | $110,243-47.5% | $56,289+2.8% |
| Participation rate | 18.3% | 74.9%-56.7pp | 79.8%-61.6pp | 69.9%-51.6pp |
| Annual return | -9.64% | -1.18%-8.5pp | 314.76%-324.4pp | -9.96%+0.3pp |
| Employer contribution / active EE | $959 | $2,047-53.2% | $3,827-74.9% | $2,111-54.6% |
| Participant deferral / active EE | $1,391 | $3,381-58.9% | $4,672-70.2% | $3,350-58.5% |
| Admin fee / account holder | $3,078 | $698+340.6% | $8,548-64.0% | $521+490.8% |