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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 | $37,751 | $65,703-42.5% | $94,228-59.9% | $59,633-36.7% |
| Participation rate | 40.4% | 72.1%-31.7pp | 78.8%-38.4pp | 68.7%-28.3pp |
| Annual return | -2.74% | 5.22%-8.0pp | 10.68%-13.4pp | 2041.40%-2044.1pp |
| Employer contribution / active EE | $480 | $2,021-76.2% | $3,587-86.6% | $2,203-78.2% |
| Participant deferral / active EE | $1,265 | $3,143-59.8% | $4,320-70.7% | $3,192-60.4% |
| Admin fee / account holder | $2,124 | $4,264-50.2% | $6,269-66.1% | $4,297-50.6% |