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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 | $27,256 | $77,816-65.0% | $123,552-77.9% | $64,173-57.5% |
| Participation rate | 25.7% | 74.7%-49.0pp | 82.3%-56.6pp | 69.6%-43.9pp |
| Annual return | -15.97% | 12.49%-28.5pp | 119.20%-135.2pp | 7.63%-23.6pp |
| Employer contribution / active EE | $815 | $3,014-73.0% | $4,628-82.4% | $2,381-65.8% |
| Participant deferral / active EE | $1,477 | $5,240-71.8% | $6,426-77.0% | $3,470-57.4% |
| Admin fee / account holder | $545 | $5,519-90.1% | $9,285-94.1% | $4,887-88.8% |