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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 | $32,628 | $72,404-54.9% | $110,241-70.4% | $64,181-49.2% |
| Participation rate | 37.8% | 73.3%-35.6pp | 79.8%-42.0pp | 69.6%-31.8pp |
| Annual return | -8.71% | -6.29%-2.4pp | 314.75%-323.5pp | 7.63%-16.3pp |
| Employer contribution / active EE | $643 | $2,282-71.8% | $3,827-83.2% | $2,381-73.0% |
| Participant deferral / active EE | $1,330 | $3,469-61.7% | $4,672-71.5% | $3,470-61.7% |
| Admin fee / account holder | $1,919 | $5,664-66.1% | $8,548-77.5% | $4,887-60.7% |