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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 | $23,756 | $45,566-47.9% | $64,105-62.9% | $59,633-60.2% |
| Participation rate | 29.7% | 60.2%-30.4pp | 68.2%-38.4pp | 68.7%-38.9pp |
| Annual return | -3.32% | 4.95%-8.3pp | 791.24%-794.6pp | 2041.40%-2044.7pp |
| Employer contribution / active EE | $243 | $934-74.0% | $1,820-86.7% | $2,203-89.0% |
| Participant deferral / active EE | $485 | $2,057-76.4% | $2,822-82.8% | $3,192-84.8% |
| Admin fee / account holder | $6,802 | $3,268+108.2% | $4,499+51.2% | $4,297+58.3% |