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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 | $46,650 | $49,177-5.1% | $79,466-41.3% | $64,173-27.3% |
| Participation rate | 46.2% | 65.0%-18.9pp | 73.3%-27.2pp | 69.6%-23.4pp |
| Annual return | -8.88% | -1.16%-7.7pp | 718.28%-727.2pp | 7.63%-16.5pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $490 | $2,821-82.6% | $3,704-86.8% | $3,470-85.9% |
| Admin fee / account holder | $609 | $3,839-84.1% | $5,104-88.1% | $4,887-87.5% |