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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 | $61,444 | $72,177-14.9% | $115,037-46.6% | $59,632+3.0% |
| Participation rate | 40.3% | 72.6%-32.3pp | 81.4%-41.1pp | 68.7%-28.4pp |
| Annual return | -2.56% | 12.02%-14.6pp | 26.14%-28.7pp | 2041.32%-2043.9pp |
| Employer contribution / active EE | $862 | $2,841-69.7% | $4,608-81.3% | $2,203-60.9% |
| Participant deferral / active EE | $1,308 | $4,783-72.6% | $6,026-78.3% | $3,192-59.0% |
| Admin fee / account holder | $553 | $4,927-88.8% | $8,175-93.2% | $4,297-87.1% |