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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 | $33,832 | $61,660-45.1% | $80,022-57.7% | $64,173-47.3% |
| Participation rate | 43.7% | 71.7%-28.0pp | 75.8%-32.2pp | 69.6%-25.9pp |
| Annual return | -9.03% | -0.33%-8.7pp | 11.22%-20.2pp | 7.63%-16.7pp |
| Employer contribution / active EE | $578 | $1,810-68.1% | $2,468-76.6% | $2,381-75.7% |
| Participant deferral / active EE | $792 | $2,968-73.3% | $3,686-78.5% | $3,470-77.2% |
| Admin fee / account holder | $4,533 | $5,417-16.3% | $6,521-30.5% | $4,887-7.3% |