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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 | $24,837 | $72,177-65.6% | $115,037-78.4% | $59,633-58.4% |
| Participation rate | 45.2% | 72.6%-27.4pp | 81.4%-36.2pp | 68.7%-23.5pp |
| Annual return | -2.62% | 12.02%-14.6pp | 26.14%-28.8pp | 2041.40%-2044.0pp |
| Employer contribution / active EE | $868 | $2,841-69.5% | $4,608-81.2% | $2,203-60.6% |
| Participant deferral / active EE | $1,918 | $4,783-59.9% | $6,026-68.2% | $3,192-39.9% |
| Admin fee / account holder | $1,804 | $4,927-63.4% | $8,175-77.9% | $4,297-58.0% |