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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 | $48,809 | $59,804-18.4% | $81,982-40.5% | $79,856-38.9% |
| Participation rate | 65.9% | 61.6%+4.3pp | 69.3%-3.3pp | 69.6%-3.7pp |
| Annual return | -0.15% | 17.56%-17.7pp | 41.31%-41.5pp | 31.71%-31.9pp |
| Employer contribution / active EE | $1,201 | $1,713-29.9% | $2,498-51.9% | $2,471-51.4% |
| Participant deferral / active EE | $0 | $2,695-100.0% | $3,722-100.0% | $3,741-100.0% |
| Admin fee / account holder | $1,306 | $4,288-69.5% | $5,665-76.9% | $5,306-75.4% |