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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 | $60,683 | $98,760-38.6% | $149,715-59.5% | $79,858-24.0% |
| Participation rate | 27.3% | 75.8%-48.5pp | 82.5%-55.2pp | 69.6%-42.4pp |
| Annual return | -5.46% | 27.43%-32.9pp | 276.66%-282.1pp | 31.72%-37.2pp |
| Employer contribution / active EE | $853 | $3,217-73.5% | $4,645-81.6% | $2,471-65.5% |
| Participant deferral / active EE | $1,528 | $5,681-73.1% | $6,842-77.7% | $3,740-59.2% |
| Admin fee / account holder | $8,786 | $6,053+45.1% | $9,310-5.6% | $5,306+65.6% |