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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 | $35,127 | $73,863-52.4% | $143,797-75.6% | $68,490-48.7% |
| Participation rate | 67.6% | 66.7%+0.9pp | 80.3%-12.8pp | 67.9%-0.3pp |
| Annual return | -19.42% | 0.91%-20.3pp | -0.04%-19.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $591 | $3,385-82.5% | $5,638-89.5% | $4,028-85.3% |
| Admin fee / account holder | $1,512 | $5,756-73.7% | $14,679-89.7% | $5,403-72.0% |