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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 | $49,845 | $73,009-31.7% | $90,756-45.1% | $68,495-27.2% |
| Participation rate | 60.7% | 70.8%-10.1pp | 75.7%-15.0pp | 67.9%-7.2pp |
| Annual return | -19.12% | -13.81%-5.3pp | -12.16%-7.0pp | -7.84%-11.3pp |
| Employer contribution / active EE | $3,006 | $2,193+37.1% | $2,922+2.9% | $2,596+15.8% |
| Participant deferral / active EE | $1,499 | $3,626-58.7% | $4,565-67.2% | $4,028-62.8% |
| Admin fee / account holder | $2,797 | $5,896-52.6% | $8,445-66.9% | $5,403-48.2% |