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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 | $27,274 | $72,177-62.2% | $115,038-76.3% | $59,633-54.3% |
| Participation rate | 37.3% | 72.6%-35.3pp | 81.4%-44.1pp | 68.7%-31.4pp |
| Annual return | -5.11% | 12.02%-17.1pp | 26.14%-31.2pp | 2041.45%-2046.6pp |
| Employer contribution / active EE | $1,282 | $2,841-54.9% | $4,608-72.2% | $2,203-41.8% |
| Participant deferral / active EE | $1,508 | $4,783-68.5% | $6,026-75.0% | $3,192-52.8% |
| Admin fee / account holder | $866 | $4,927-82.4% | $8,175-89.4% | $4,297-79.8% |