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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 | $74,590 | $63,924+16.7% | $108,582-31.3% | $55,167+35.2% |
| Participation rate | 44.5% | 74.3%-29.8pp | 79.6%-35.0pp | 69.0%-24.4pp |
| Annual return | -2.54% | 15.31%-17.8pp | -51.70%+49.2pp | 169.23%-171.8pp |
| Employer contribution / active EE | $758 | $1,879-59.7% | $3,758-79.8% | $1,963-61.4% |
| Participant deferral / active EE | $1,485 | $3,067-51.6% | $4,311-65.6% | $3,054-51.4% |
| Admin fee / account holder | $443 | $618-28.3% | $7,645-94.2% | $504-12.1% |