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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 | $36,107 | $82,678-56.3% | $125,391-71.2% | $68,490-47.3% |
| Participation rate | 40.5% | 75.1%-34.6pp | 82.4%-41.9pp | 67.9%-27.4pp |
| Annual return | -22.84% | -5.97%-16.9pp | 572.41%-595.3pp | -7.85%-15.0pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,256 | $6,111-79.5% | $7,448-83.1% | $4,028-68.8% |
| Admin fee / account holder | $801 | $6,277-87.2% | $10,009-92.0% | $5,403-85.2% |