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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 | $27,446 | $32,117-14.5% | $71,086-61.4% | $64,173-57.2% |
| Participation rate | 3.1% | 42.7%-39.6pp | 54.7%-51.5pp | 69.6%-66.4pp |
| Annual return | -11.70% | -5.57%-6.1pp | 650.59%-662.3pp | 7.63%-19.3pp |
| Employer contribution / active EE | $114 | $712-84.0% | $1,088-89.5% | $2,381-95.2% |
| Participant deferral / active EE | $302 | $1,263-76.1% | $1,874-83.9% | $3,470-91.3% |
| Admin fee / account holder | $1,141 | $2,759-58.7% | $3,082-63.0% | $4,887-76.7% |