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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 | $21,763 | $77,817-72.0% | $123,553-82.4% | $64,173-66.1% |
| Participation rate | 50.0% | 74.7%-24.7pp | 82.3%-32.3pp | 69.6%-19.6pp |
| Annual return | -8.31% | 12.49%-20.8pp | 119.21%-127.5pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,061 | $3,014-64.8% | $4,628-77.1% | $2,381-55.4% |
| Participant deferral / active EE | $1,552 | $5,240-70.4% | $6,426-75.9% | $3,470-55.3% |
| Admin fee / account holder | $3,910 | $5,519-29.2% | $9,284-57.9% | $4,887-20.0% |