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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 | $43,327 | $71,878-39.7% | $86,698-50.0% | $68,486-36.7% |
| Participation rate | 27.0% | 72.2%-45.2pp | 76.6%-49.6pp | 67.9%-40.9pp |
| Annual return | -20.55% | 3.53%-24.1pp | 35.95%-56.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $956 | $3,779-74.7% | $4,656-79.5% | $4,028-76.3% |
| Admin fee / account holder | $503 | $6,113-91.8% | $7,493-93.3% | $5,404-90.7% |