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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 | $21,045 | $73,839-71.5% | $143,788-85.4% | $68,495-69.3% |
| Participation rate | 49.1% | 66.7%-17.6pp | 80.3%-31.3pp | 67.9%-18.8pp |
| Annual return | -23.21% | 1.01%-24.2pp | -0.03%-23.2pp | -7.84%-15.4pp |
| Employer contribution / active EE | $1,676 | $3,184-47.4% | $4,952-66.2% | $2,596-35.5% |
| Participant deferral / active EE | $167 | $3,384-95.1% | $5,638-97.0% | $4,028-95.9% |
| Admin fee / account holder | $1,401 | $5,755-75.7% | $14,675-90.5% | $5,403-74.1% |