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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 | $34,006 | $50,958-33.3% | $74,552-54.4% | $64,181-47.0% |
| Participation rate | 16.2% | 61.1%-44.8pp | 69.1%-52.9pp | 69.6%-53.4pp |
| Annual return | -10.22% | -1.86%-8.4pp | 32.53%-42.8pp | 7.63%-17.9pp |
| Employer contribution / active EE | $205 | $1,115-81.7% | $1,961-89.6% | $2,381-91.4% |
| Participant deferral / active EE | $603 | $2,301-73.8% | $3,108-80.6% | $3,470-82.6% |
| Admin fee / account holder | $1,168 | $4,223-72.3% | $5,060-76.9% | $4,887-76.1% |