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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 | $31,915 | $62,589-49.0% | $76,768-58.4% | $64,173-50.3% |
| Participation rate | 53.1% | 72.8%-19.7pp | 77.0%-23.8pp | 69.6%-16.4pp |
| Annual return | -11.39% | -1.95%-9.4pp | 2.43%-13.8pp | 7.63%-19.0pp |
| Employer contribution / active EE | $575 | $1,832-68.6% | $2,485-76.8% | $2,381-75.8% |
| Participant deferral / active EE | $1,372 | $3,145-56.4% | $3,852-64.4% | $3,470-60.4% |
| Admin fee / account holder | $735 | $4,667-84.2% | $6,675-89.0% | $4,887-85.0% |