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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 | $20,465 | $26,805-23.7% | $59,496-65.6% | $52,331-60.9% |
| Participation rate | 16.0% | 39.3%-23.3pp | 54.6%-38.5pp | 68.1%-52.1pp |
| Annual return | -4.20% | 2.61%-6.8pp | 182.05%-186.3pp | 4.54%-8.7pp |
| Employer contribution / active EE | $226 | $450-49.7% | $1,153-80.4% | $1,882-88.0% |
| Participant deferral / active EE | $346 | $916-62.3% | $1,829-81.1% | $3,022-88.6% |
| Admin fee / account holder | $451 | $305+47.8% | $2,232-79.8% | $592-23.8% |