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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 | $30,324 | $57,108-46.9% | $94,229-67.8% | $52,331-42.1% |
| Participation rate | 33.1% | 72.9%-39.9pp | 78.8%-45.7pp | 68.1%-35.0pp |
| Annual return | -3.14% | 1.47%-4.6pp | 10.68%-13.8pp | 4.54%-7.7pp |
| Employer contribution / active EE | $537 | $1,735-69.1% | $3,587-85.0% | $1,882-71.5% |
| Participant deferral / active EE | $1,536 | $3,040-49.5% | $4,320-64.4% | $3,022-49.2% |
| Admin fee / account holder | $655 | $546+19.8% | $6,269-89.6% | $592+10.7% |