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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 | $26,126 | $57,352-54.4% | $83,831-68.8% | $64,173-59.3% |
| Participation rate | 21.4% | 68.6%-47.2pp | 76.1%-54.7pp | 69.6%-48.1pp |
| Annual return | -11.34% | 11.38%-22.7pp | 850.99%-862.3pp | 7.63%-19.0pp |
| Employer contribution / active EE | $554 | $2,546-78.2% | $3,631-84.7% | $2,381-76.7% |
| Participant deferral / active EE | $730 | $2,993-75.6% | $4,082-82.1% | $3,470-79.0% |
| Admin fee / account holder | $1,534 | $4,046-62.1% | $5,479-72.0% | $4,887-68.6% |