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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 | $31,949 | $72,177-55.7% | $115,038-72.2% | $59,633-46.4% |
| Participation rate | 50.0% | 72.6%-22.6pp | 81.4%-31.4pp | 68.7%-18.7pp |
| Annual return | -2.75% | 12.02%-14.8pp | 26.14%-28.9pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $918 | $2,841-67.7% | $4,608-80.1% | $2,203-58.3% |
| Participant deferral / active EE | $1,294 | $4,783-72.9% | $6,026-78.5% | $3,192-59.5% |
| Admin fee / account holder | $2,693 | $4,927-45.4% | $8,175-67.1% | $4,297-37.3% |