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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 | $29,277 | $70,002-58.2% | $115,037-74.5% | $52,331-44.1% |
| Participation rate | 27.9% | 72.1%-44.2pp | 81.4%-53.5pp | 68.1%-40.2pp |
| Annual return | -4.57% | 4.04%-8.6pp | 26.14%-30.7pp | 4.54%-9.1pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,660 | $4,920-66.2% | $6,026-72.4% | $3,022-45.1% |
| Admin fee / account holder | $1,244 | $566+119.8% | $8,175-84.8% | $592+110.3% |