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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 | $21,902 | $42,548-48.5% | $74,551-70.6% | $56,289-61.1% |
| Participation rate | 31.3% | 60.5%-29.2pp | 69.1%-37.8pp | 69.9%-38.6pp |
| Annual return | -10.00% | 12.40%-22.4pp | 32.53%-42.5pp | -9.96%0pp |
| Employer contribution / active EE | $658 | $855-23.0% | $1,961-66.4% | $2,111-68.8% |
| Participant deferral / active EE | $1,081 | $2,277-52.5% | $3,108-65.2% | $3,350-67.7% |
| Admin fee / account holder | $392 | $467-16.0% | $5,059-92.2% | $521-24.7% |