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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 | $15,223 | $49,280-69.1% | $67,313-77.4% | $64,173-76.3% |
| Participation rate | 21.4% | 60.8%-39.4pp | 69.1%-47.7pp | 69.6%-48.1pp |
| Annual return | -9.05% | -1.39%-7.7pp | -4.08%-5.0pp | 7.63%-16.7pp |
| Employer contribution / active EE | $438 | $1,668-73.8% | $2,566-82.9% | $2,381-81.6% |
| Participant deferral / active EE | $803 | $2,484-67.7% | $3,568-77.5% | $3,470-76.9% |
| Admin fee / account holder | $2,189 | $3,863-43.3% | $4,507-51.4% | $4,887-55.2% |