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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 | $36,500 | $53,412-31.7% | $68,509-46.7% | $52,331-30.3% |
| Participation rate | 38.2% | 71.7%-33.5pp | 74.7%-36.5pp | 68.1%-29.9pp |
| Annual return | -2.17% | 3.42%-5.6pp | 8.27%-10.4pp | 4.54%-6.7pp |
| Employer contribution / active EE | $524 | $1,607-67.4% | $2,278-77.0% | $1,882-72.1% |
| Participant deferral / active EE | $808 | $2,688-69.9% | $3,382-76.1% | $3,022-73.3% |
| Admin fee / account holder | $1,445 | $461+213.6% | $5,275-72.6% | $592+144.3% |