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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 | $137,657 | $81,870+68.1% | $119,634+15.1% | $68,490+101.0% |
| Participation rate | 28.2% | 71.9%-43.7pp | 79.3%-51.0pp | 67.9%-39.7pp |
| Annual return | -22.47% | -23.82%+1.3pp | -14.98%-7.5pp | -7.85%-14.6pp |
| Employer contribution / active EE | $1,092 | $2,692-59.4% | $4,232-74.2% | $2,597-58.0% |
| Participant deferral / active EE | $1,731 | $4,148-58.3% | $5,601-69.1% | $4,028-57.0% |
| Admin fee / account holder | $4,496 | $6,583-31.7% | $10,329-56.5% | $5,403-16.8% |