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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 | $79,815 | $56,339+41.7% | $104,301-23.5% | $68,486+16.5% |
| Participation rate | 42.6% | 63.3%-20.7pp | 73.3%-30.7pp | 67.9%-25.3pp |
| Annual return | -20.99% | -9.19%-11.8pp | 24.61%-45.6pp | -7.85%-13.1pp |
| Employer contribution / active EE | $553 | $1,960-71.8% | $3,373-83.6% | $2,597-78.7% |
| Participant deferral / active EE | $876 | $3,077-71.5% | $4,626-81.1% | $4,028-78.3% |
| Admin fee / account holder | $8,051 | $4,902+64.2% | $7,340+9.7% | $5,404+49.0% |