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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 | $29,818 | $48,313-38.3% | $73,309-59.3% | $52,331-43.0% |
| Participation rate | 35.3% | 68.6%-33.3pp | 74.9%-39.6pp | 68.1%-32.8pp |
| Annual return | -3.06% | 3.85%-6.9pp | 5.67%-8.7pp | 4.54%-7.6pp |
| Employer contribution / active EE | $0 | $1,661-100.0% | $3,237-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,554 | $4,189-62.9% | $4,991-68.9% | $3,022-48.6% |
| Admin fee / account holder | $2,335 | $404+478.1% | $5,635-58.6% | $592+294.7% |