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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 | $27,932 | $77,816-64.1% | $123,549-77.4% | $64,181-56.5% |
| Participation rate | 40.0% | 74.7%-34.7pp | 82.3%-42.3pp | 69.6%-29.6pp |
| Annual return | -8.21% | 12.49%-20.7pp | 119.20%-127.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,386 | $3,014-54.0% | $4,628-70.1% | $2,381-41.8% |
| Participant deferral / active EE | $1,933 | $5,240-63.1% | $6,426-69.9% | $3,470-44.3% |
| Admin fee / account holder | $1,079 | $5,519-80.4% | $9,284-88.4% | $4,887-77.9% |