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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 | $28,467 | $58,600-51.4% | $83,327-65.8% | $64,173-55.6% |
| Participation rate | 34.4% | 72.0%-37.6pp | 77.8%-43.3pp | 69.6%-35.1pp |
| Annual return | -10.77% | 9.66%-20.4pp | 10.64%-21.4pp | 7.63%-18.4pp |
| Employer contribution / active EE | $876 | $2,098-58.2% | $3,379-74.1% | $2,381-63.2% |
| Participant deferral / active EE | $1,778 | $4,656-61.8% | $5,565-68.1% | $3,470-48.8% |
| Admin fee / account holder | $838 | $9,282-91.0% | $7,540-88.9% | $4,887-82.9% |