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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 | $25,335 | $78,520-67.7% | $96,576-73.8% | $82,448-69.3% |
| Participation rate | 20.0% | 77.7%-57.7pp | 81.4%-61.4pp | 68.1%-48.1pp |
| Annual return | -8.52% | 41.30%-49.8pp | 38.47%-47.0pp | 41.64%-50.2pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,456 | $6,754-63.6% | $7,956-69.1% | $4,139-40.7% |
| Admin fee / account holder | $9,516 | $13,455-29.3% | $11,381-16.4% | $7,234+31.5% |