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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 | $18,655 | $50,947-63.4% | $74,549-75.0% | $64,173-70.9% |
| Participation rate | 8.4% | 61.1%-52.6pp | 69.1%-60.7pp | 69.6%-61.1pp |
| Annual return | -13.86% | -1.85%-12.0pp | 32.53%-46.4pp | 7.63%-21.5pp |
| Employer contribution / active EE | $285 | $1,115-74.4% | $1,961-85.5% | $2,381-88.0% |
| Participant deferral / active EE | $523 | $2,302-77.3% | $3,108-83.2% | $3,470-84.9% |
| Admin fee / account holder | $2,251 | $4,221-46.7% | $5,059-55.5% | $4,887-53.9% |