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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 | $56,648 | $52,911+7.1% | $73,309-22.7% | $59,633-5.0% |
| Participation rate | 47.6% | 68.2%-20.6pp | 74.9%-27.3pp | 68.7%-21.1pp |
| Annual return | -4.06% | 12.20%-16.3pp | 5.67%-9.7pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $1,543 | $1,909-19.1% | $3,237-52.3% | $2,203-29.9% |
| Participant deferral / active EE | $1,612 | $4,069-60.4% | $4,991-67.7% | $3,192-49.5% |
| Admin fee / account holder | $4,823 | $3,835+25.8% | $5,635-14.4% | $4,297+12.2% |