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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 | $25,586 | $71,878-64.4% | $86,698-70.5% | $68,486-62.6% |
| Participation rate | 38.7% | 72.2%-33.5pp | 76.6%-37.9pp | 67.9%-29.2pp |
| Annual return | -19.58% | 3.53%-23.1pp | 35.95%-55.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $853 | $2,173-60.7% | $2,837-69.9% | $2,597-67.1% |
| Participant deferral / active EE | $1,123 | $3,779-70.3% | $4,656-75.9% | $4,028-72.1% |
| Admin fee / account holder | $5,319 | $6,113-13.0% | $7,493-29.0% | $5,404-1.6% |