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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 | $27,891 | $62,589-55.4% | $76,768-63.7% | $64,173-56.5% |
| Participation rate | 57.1% | 72.8%-15.7pp | 77.0%-19.8pp | 69.6%-12.4pp |
| Annual return | -8.06% | -1.95%-6.1pp | 2.43%-10.5pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,782 | $1,832-2.7% | $2,485-28.3% | $2,381-25.2% |
| Participant deferral / active EE | $262 | $3,145-91.7% | $3,852-93.2% | $3,470-92.5% |
| Admin fee / account holder | $460 | $4,667-90.2% | $6,675-93.1% | $4,887-90.6% |