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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 | $12,915 | $45,312-71.5% | $86,233-85.0% | $67,986-81.0% |
| Participation rate | 7.3% | 42.4%-35.2pp | 69.0%-61.8pp | 57.2%-50.0pp |
| Annual return | -9.38% | 24.79%-34.2pp | 61.39%-70.8pp | 31.67%-41.0pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $454 | $2,185-79.2% | $4,559-90.0% | $3,358-86.5% |
| Admin fee / account holder | $2,729 | $3,295-17.2% | $8,342-67.3% | $3,203-14.8% |