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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 | $25,848 | $76,912-66.4% | $129,118-80.0% | $68,486-62.3% |
| Participation rate | 20.0% | 69.1%-49.1pp | 77.2%-57.2pp | 67.9%-47.9pp |
| Annual return | -20.82% | -9.78%-11.0pp | -10.94%-9.9pp | -7.85%-13.0pp |
| Employer contribution / active EE | $0 | $3,243-100.0% | $5,051-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,701 | $4,732-64.0% | $6,539-74.0% | $4,028-57.8% |
| Admin fee / account holder | $4,375 | $6,638-34.1% | $14,305-69.4% | $5,404-19.0% |