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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 | $21,778 | $50,947-57.3% | $74,549-70.8% | $64,173-66.1% |
| Participation rate | 30.2% | 61.1%-30.9pp | 69.1%-39.0pp | 69.6%-39.4pp |
| Annual return | -8.38% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $301 | $1,115-73.0% | $1,961-84.6% | $2,381-87.4% |
| Participant deferral / active EE | $706 | $2,302-69.3% | $3,108-77.3% | $3,470-79.6% |
| Admin fee / account holder | $1,400 | $4,221-66.8% | $5,059-72.3% | $4,887-71.4% |