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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 | $32,430 | $61,660-47.4% | $80,022-59.5% | $64,173-49.5% |
| Participation rate | 45.8% | 71.7%-25.9pp | 75.8%-30.0pp | 69.6%-23.7pp |
| Annual return | -7.86% | -0.33%-7.5pp | 11.22%-19.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $629 | $1,810-65.2% | $2,468-74.5% | $2,381-73.6% |
| Participant deferral / active EE | $1,231 | $2,968-58.5% | $3,686-66.6% | $3,470-64.5% |
| Admin fee / account holder | $583 | $5,417-89.2% | $6,521-91.1% | $4,887-88.1% |