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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 | $71,494 | $81,870-12.7% | $119,622-40.2% | $68,486+4.4% |
| Participation rate | 50.0% | 71.9%-21.9pp | 79.3%-29.3pp | 67.9%-17.9pp |
| Annual return | -18.90% | -23.82%+4.9pp | -14.98%-3.9pp | -7.85%-11.0pp |
| Employer contribution / active EE | $803 | $2,692-70.2% | $4,232-81.0% | $2,597-69.1% |
| Participant deferral / active EE | $1,711 | $4,148-58.7% | $5,601-69.4% | $4,028-57.5% |
| Admin fee / account holder | $1,435 | $6,583-78.2% | $10,328-86.1% | $5,404-73.4% |