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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 | $49,528 | $72,177-31.4% | $115,037-56.9% | $59,633-16.9% |
| Participation rate | 35.7% | 72.6%-36.8pp | 81.4%-45.7pp | 68.7%-33.0pp |
| Annual return | -4.85% | 12.02%-16.9pp | 26.14%-31.0pp | 2041.40%-2046.3pp |
| Employer contribution / active EE | $711 | $2,841-75.0% | $4,608-84.6% | $2,203-67.7% |
| Participant deferral / active EE | $1,080 | $4,783-77.4% | $6,026-82.1% | $3,192-66.2% |
| Admin fee / account holder | $681 | $4,927-86.2% | $8,175-91.7% | $4,297-84.2% |