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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 | $19,624 | $55,002-64.3% | $59,883-67.2% | $56,287-65.1% |
| Participation rate | 46.5% | 75.9%-29.4pp | 74.7%-28.2pp | 69.9%-23.3pp |
| Annual return | -6.78% | 1.13%-7.9pp | 3.46%-10.2pp | -9.96%+3.2pp |
| Employer contribution / active EE | $1,379 | $2,448-43.7% | $2,722-49.3% | $2,111-34.7% |
| Participant deferral / active EE | $710 | $3,121-77.3% | $3,402-79.1% | $3,350-78.8% |
| Admin fee / account holder | $616 | $236+161.2% | $3,591-82.8% | $521+18.2% |