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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 | $42,520 | $56,894-25.3% | $84,753-49.8% | $62,881-32.4% |
| Participation rate | 34.8% | 68.5%-33.8pp | 76.6%-41.8pp | 69.3%-34.5pp |
| Annual return | -1.60% | 6.30%-7.9pp | 22.78%-24.4pp | 20.14%-21.7pp |
| Employer contribution / active EE | $1,543 | $2,400-35.7% | $3,574-56.8% | $2,281-32.4% |
| Participant deferral / active EE | $0 | $2,709-100.0% | $3,712-100.0% | $3,203-100.0% |
| Admin fee / account holder | $1,498 | $3,581-58.2% | $5,333-71.9% | $4,296-65.1% |