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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 | $25,283 | $49,177-48.6% | $79,476-68.2% | $64,181-60.6% |
| Participation rate | 24.7% | 65.0%-40.4pp | 73.3%-48.7pp | 69.6%-44.9pp |
| Annual return | -9.45% | -1.16%-8.3pp | 718.21%-727.7pp | 7.63%-17.1pp |
| Employer contribution / active EE | $302 | $2,076-85.5% | $2,800-89.2% | $2,381-87.3% |
| Participant deferral / active EE | $681 | $2,821-75.8% | $3,704-81.6% | $3,470-80.4% |
| Admin fee / account holder | $1,646 | $3,839-57.1% | $5,113-67.8% | $4,887-66.3% |