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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 | $29,226 | $60,349-51.6% | $74,184-60.6% | $62,881-53.5% |
| Participation rate | 48.9% | 72.7%-23.8pp | 76.6%-27.7pp | 69.3%-20.4pp |
| Annual return | -0.48% | 21.38%-21.9pp | 17.74%-18.2pp | 20.14%-20.6pp |
| Employer contribution / active EE | $541 | $1,680-67.8% | $2,370-77.2% | $2,281-76.3% |
| Participant deferral / active EE | $878 | $2,856-69.2% | $3,550-75.3% | $3,203-72.6% |
| Admin fee / account holder | $1,008 | $4,261-76.3% | $5,586-82.0% | $4,296-76.5% |