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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 | $36,966 | $61,660-40.0% | $80,022-53.8% | $64,173-42.4% |
| Participation rate | 58.8% | 71.7%-12.9pp | 75.8%-17.0pp | 69.6%-10.7pp |
| Annual return | -7.65% | -0.33%-7.3pp | 11.22%-18.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,055 | $2,968-64.4% | $3,686-71.4% | $3,470-69.6% |
| Admin fee / account holder | $678 | $5,417-87.5% | $6,521-89.6% | $4,887-86.1% |