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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 | $28,276 | $72,177-60.8% | $115,038-75.4% | $59,633-52.6% |
| Participation rate | 20.2% | 72.6%-52.3pp | 81.4%-61.1pp | 68.7%-48.4pp |
| Annual return | -6.84% | 12.02%-18.9pp | 26.14%-33.0pp | 2041.45%-2048.3pp |
| Employer contribution / active EE | $652 | $2,841-77.0% | $4,608-85.8% | $2,203-70.4% |
| Participant deferral / active EE | $1,377 | $4,783-71.2% | $6,026-77.2% | $3,192-56.9% |
| Admin fee / account holder | $2,494 | $4,927-49.4% | $8,175-69.5% | $4,297-42.0% |