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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 | $24,840 | $72,177-65.6% | $115,037-78.4% | $59,633-58.3% |
| Participation rate | 17.2% | 72.6%-55.4pp | 81.4%-64.2pp | 68.7%-51.5pp |
| Annual return | -5.16% | 12.02%-17.2pp | 26.14%-31.3pp | 2041.40%-2046.6pp |
| Employer contribution / active EE | $455 | $2,841-84.0% | $4,608-90.1% | $2,203-79.3% |
| Participant deferral / active EE | $845 | $4,783-82.3% | $6,026-86.0% | $3,192-73.5% |
| Admin fee / account holder | $1,887 | $4,927-61.7% | $8,175-76.9% | $4,297-56.1% |