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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 | $11,799 | $81,358-85.5% | $155,556-92.4% | $80,959-85.4% |
| Participation rate | 19.2% | 66.3%-47.0pp | 78.2%-59.0pp | 67.7%-48.4pp |
| Annual return | -8.29% | 33.39%-41.7pp | 64.84%-73.1pp | 35.67%-44.0pp |
| Employer contribution / active EE | $411 | $3,106-86.8% | $4,675-91.2% | $2,757-85.1% |
| Participant deferral / active EE | $791 | $3,455-77.1% | $5,631-85.9% | $4,300-81.6% |
| Admin fee / account holder | $2,022 | $7,994-74.7% | $15,885-87.3% | $6,925-70.8% |