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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 | $58,211 | $69,012-15.7% | $160,037-63.6% | $68,490-15.0% |
| Participation rate | 29.8% | 65.4%-35.7pp | 78.0%-48.2pp | 67.9%-38.1pp |
| Annual return | -21.02% | -9.65%-11.4pp | 408.95%-430.0pp | -7.85%-13.2pp |
| Employer contribution / active EE | $489 | $2,212-77.9% | $4,226-88.4% | $2,597-81.2% |
| Participant deferral / active EE | $1,067 | $4,212-74.7% | $6,184-82.7% | $4,028-73.5% |
| Admin fee / account holder | $487 | $4,798-89.8% | $8,716-94.4% | $5,403-91.0% |