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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 | $36,391 | $73,787-50.7% | $98,716-63.1% | $82,448-55.9% |
| Participation rate | 8.9% | 61.4%-52.5pp | 69.3%-60.4pp | 68.1%-59.2pp |
| Annual return | -2.97% | 18.57%-21.5pp | 31.81%-34.8pp | 41.64%-44.6pp |
| Employer contribution / active EE | $377 | $1,511-75.1% | $2,279-83.5% | $2,551-85.2% |
| Participant deferral / active EE | $757 | $3,081-75.4% | $4,048-81.3% | $4,139-81.7% |
| Admin fee / account holder | $5,192 | $6,500-20.1% | $8,703-40.3% | $7,234-28.2% |