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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 | $28,840 | $50,947-43.4% | $74,551-61.3% | $64,173-55.1% |
| Participation rate | 10.3% | 61.1%-50.7pp | 69.1%-58.8pp | 69.6%-59.2pp |
| Annual return | -10.76% | -1.85%-8.9pp | 32.53%-43.3pp | 7.63%-18.4pp |
| Employer contribution / active EE | $221 | $1,115-80.2% | $1,961-88.7% | $2,381-90.7% |
| Participant deferral / active EE | $594 | $2,302-74.2% | $3,108-80.9% | $3,470-82.9% |
| Admin fee / account holder | $413 | $4,221-90.2% | $5,059-91.8% | $4,887-91.6% |