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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 | $43,860 | $99,032-55.7% | $80,022-45.2% | $135,379-67.6% |
| Participation rate | 47.6% | 78.4%-30.7pp | 75.8%-28.2pp | 82.6%-35.0pp |
| Annual return | -8.99% | 15.39%-24.4pp | 11.22%-20.2pp | 519.79%-528.8pp |
| Employer contribution / active EE | $1,047 | $3,043-65.6% | $2,468-57.6% | $4,779-78.1% |
| Participant deferral / active EE | $467 | $4,282-89.1% | $3,686-87.3% | $5,609-91.7% |
| Admin fee / account holder | $838 | $10,436-92.0% | $6,521-87.1% | $10,828-92.3% |