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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 | $88,920 | $25,014+255.5% | $69,460+28.0% | $80,911+9.9% |
| Participation rate | 18.8% | 64.2%-45.5pp | 66.4%-47.7pp | 67.6%-48.9pp |
| Annual return | -33.80% | 19.08%-52.9pp | 100.80%-134.6pp | 35.63%-69.4pp |
| Employer contribution / active EE | $484 | $991-51.2% | $1,714-71.8% | $2,756-82.4% |
| Participant deferral / active EE | $597 | $1,839-67.5% | $2,890-79.3% | $4,297-86.1% |
| Admin fee / account holder | $1,433 | $2,491-42.5% | $4,695-69.5% | $6,935-79.3% |