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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 | $58,293 | $127,386-54.2% | $115,037-49.3% | $125,388-53.5% |
| Participation rate | 26.7% | 84.2%-57.5pp | 81.4%-54.7pp | 83.2%-56.5pp |
| Annual return | -3.76% | 31.28%-35.0pp | 26.14%-29.9pp | 282.24%-286.0pp |
| Employer contribution / active EE | $965 | $5,166-81.3% | $4,608-79.1% | $4,866-80.2% |
| Participant deferral / active EE | $1,736 | $6,423-73.0% | $6,026-71.2% | $5,352-67.6% |
| Admin fee / account holder | $2,768 | $9,516-70.9% | $8,175-66.1% | $9,541-71.0% |