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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 | $41,921 | $50,947-17.7% | $74,551-43.8% | $64,173-34.7% |
| Participation rate | 28.0% | 61.1%-33.1pp | 69.1%-41.1pp | 69.6%-41.6pp |
| Annual return | -8.83% | -1.85%-7.0pp | 32.53%-41.4pp | 7.63%-16.5pp |
| Employer contribution / active EE | $523 | $1,115-53.1% | $1,961-73.3% | $2,381-78.0% |
| Participant deferral / active EE | $993 | $2,302-56.8% | $3,108-68.0% | $3,470-71.4% |
| Admin fee / account holder | $982 | $4,221-76.7% | $5,059-80.6% | $4,887-79.9% |