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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 | $99,468 | $82,674+20.3% | $125,381-20.7% | $68,486+45.2% |
| Participation rate | 39.3% | 75.1%-35.8pp | 82.4%-43.1pp | 67.9%-28.6pp |
| Annual return | -30.53% | -5.97%-24.6pp | 572.31%-602.8pp | -7.85%-22.7pp |
| Employer contribution / active EE | $1,082 | $3,382-68.0% | $4,815-77.5% | $2,597-58.3% |
| Participant deferral / active EE | $1,552 | $6,111-74.6% | $7,448-79.2% | $4,028-61.5% |
| Admin fee / account holder | $1,288 | $6,277-79.5% | $10,007-87.1% | $5,404-76.2% |