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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 | $165,021 | $58,848+180.4% | $88,179+87.1% | $82,637+99.7% |
| Participation rate | 48.4% | 57.9%-9.5pp | 69.1%-20.8pp | 68.1%-19.7pp |
| Annual return | -33.62% | 22.76%-56.4pp | 64.97%-98.6pp | 53.51%-87.1pp |
| Employer contribution / active EE | $430 | $1,678-74.4% | $2,549-83.1% | $2,552-83.2% |
| Participant deferral / active EE | $430 | $3,124-86.2% | $4,614-90.7% | $4,126-89.6% |
| Admin fee / account holder | $3,072 | $4,795-35.9% | $7,673-60.0% | $7,339-58.1% |