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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 | $63,686 | $71,878-11.4% | $86,698-26.5% | $68,486-7.0% |
| Participation rate | 47.5% | 72.2%-24.7pp | 76.6%-29.0pp | 67.9%-20.4pp |
| Annual return | -20.09% | 3.53%-23.6pp | 35.95%-56.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,387 | $2,173-36.2% | $2,837-51.1% | $2,597-46.6% |
| Participant deferral / active EE | $1,592 | $3,779-57.9% | $4,656-65.8% | $4,028-60.5% |
| Admin fee / account holder | $3,135 | $6,113-48.7% | $7,493-58.2% | $5,404-42.0% |