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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 | $59,984 | $72,388-17.1% | $111,392-46.1% | $64,173-6.5% |
| Participation rate | 20.0% | 70.5%-50.5pp | 78.9%-58.9pp | 69.6%-49.6pp |
| Annual return | -8.73% | -1.50%-7.2pp | -2.06%-6.7pp | 7.63%-16.4pp |
| Employer contribution / active EE | $890 | $3,000-70.3% | $4,328-79.4% | $2,381-62.6% |
| Participant deferral / active EE | $1,041 | $4,241-75.5% | $5,567-81.3% | $3,470-70.0% |
| Admin fee / account holder | $3,448 | $5,719-39.7% | $12,266-71.9% | $4,887-29.4% |