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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 | $34,782 | $72,492-52.0% | $87,104-60.1% | $72,975-52.3% |
| Participation rate | 35.7% | 72.8%-37.1pp | 76.9%-41.2pp | 69.5%-33.8pp |
| Annual return | -19.74% | 24.46%-44.2pp | 28.19%-47.9pp | 81.01%-100.8pp |
| Employer contribution / active EE | $1,354 | $1,894-28.5% | $2,521-46.3% | $2,440-44.5% |
| Participant deferral / active EE | $1,406 | $3,270-57.0% | $4,048-65.3% | $3,608-61.0% |
| Admin fee / account holder | $1,230 | $5,055-75.7% | $7,491-83.6% | $5,124-76.0% |