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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 | $37,847 | $61,214-38.2% | $83,327-54.6% | $56,289-32.8% |
| Participation rate | 30.6% | 72.6%-42.0pp | 77.8%-47.2pp | 69.9%-39.3pp |
| Annual return | -7.06% | 0.42%-7.5pp | 10.64%-17.7pp | -9.96%+2.9pp |
| Employer contribution / active EE | $599 | $1,925-68.9% | $3,379-82.3% | $2,111-71.6% |
| Participant deferral / active EE | $1,596 | $5,091-68.7% | $5,565-71.3% | $3,350-52.4% |
| Admin fee / account holder | $5,070 | $512+891.1% | $7,540-32.8% | $521+873.2% |