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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 | $61,850 | $72,404-14.6% | $110,243-43.9% | $64,173-3.6% |
| Participation rate | 13.8% | 73.3%-59.5pp | 79.8%-66.0pp | 69.6%-55.8pp |
| Annual return | -10.53% | -6.29%-4.2pp | 314.76%-325.3pp | 7.63%-18.2pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $566 | $3,469-83.7% | $4,672-87.9% | $3,470-83.7% |
| Admin fee / account holder | $834 | $5,664-85.3% | $8,548-90.2% | $4,887-82.9% |