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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 | $38,502 | $87,542-56.0% | $75,782-49.2% | $125,393-69.3% |
| Participation rate | 58.8% | 80.2%-21.3pp | 75.8%-17.0pp | 83.2%-24.4pp |
| Annual return | -3.95% | 13.48%-17.4pp | 9.68%-13.6pp | 282.23%-286.2pp |
| Employer contribution / active EE | $8,824 | $3,930+124.5% | $3,323+165.5% | $4,866+81.3% |
| Participant deferral / active EE | $385 | $4,229-90.9% | $3,652-89.5% | $5,351-92.8% |
| Admin fee / account holder | $2,821 | $6,502-56.6% | $5,300-46.8% | $9,541-70.4% |