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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 | $28,536 | $77,816-63.3% | $123,552-76.9% | $64,173-55.5% |
| Participation rate | 20.9% | 74.7%-53.8pp | 82.3%-61.4pp | 69.6%-48.7pp |
| Annual return | -10.00% | 12.49%-22.5pp | 119.20%-129.2pp | 7.63%-17.6pp |
| Employer contribution / active EE | $551 | $3,014-81.7% | $4,628-88.1% | $2,381-76.8% |
| Participant deferral / active EE | $1,888 | $5,240-64.0% | $6,426-70.6% | $3,470-45.6% |
| Admin fee / account holder | $821 | $5,519-85.1% | $9,285-91.2% | $4,887-83.2% |