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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 | $80,403 | $64,716+24.2% | $112,258-28.4% | $68,495+17.4% |
| Participation rate | 27.0% | 67.2%-40.1pp | 75.1%-48.0pp | 67.9%-40.9pp |
| Annual return | -22.45% | -11.40%-11.0pp | 27.47%-49.9pp | -7.84%-14.6pp |
| Employer contribution / active EE | $2,514 | $2,746-8.4% | $3,636-30.8% | $2,596-3.2% |
| Participant deferral / active EE | $804 | $3,565-77.5% | $4,728-83.0% | $4,028-80.0% |
| Admin fee / account holder | $1,026 | $5,232-80.4% | $6,411-84.0% | $5,403-81.0% |