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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 | $67,885 | $45,566+49.0% | $64,105+5.9% | $59,632+13.8% |
| Participation rate | 62.1% | 60.2%+1.9pp | 68.2%-6.1pp | 68.7%-6.6pp |
| Annual return | -3.70% | 4.95%-8.7pp | 791.24%-794.9pp | 2041.32%-2045.0pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $376 | $2,057-81.7% | $2,822-86.7% | $3,192-88.2% |
| Admin fee / account holder | $1,100 | $3,268-66.3% | $4,499-75.6% | $4,297-74.4% |