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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 | $64,292 | $43,344+48.3% | $59,899+7.3% | $64,173+0.2% |
| Participation rate | 14.3% | 69.2%-54.9pp | 74.7%-60.4pp | 69.6%-55.3pp |
| Annual return | -11.07% | -1.55%-9.5pp | 3.46%-14.5pp | 7.63%-18.7pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $513 | $2,547-79.9% | $3,402-84.9% | $3,470-85.2% |
| Admin fee / account holder | $438 | $3,008-85.4% | $3,592-87.8% | $4,887-91.0% |