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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $45,357 | $48,364-6.2% | $71,796-36.8% | $62,881-27.9% |
| Participation rate | 22.5% | 60.6%-38.1pp | 69.1%-46.6pp | 69.3%-46.8pp |
| Annual return | 4.43% | 13.16%-8.7pp | 78.04%-73.6pp | 20.14%-15.7pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $964 | $2,091-53.9% | $2,794-65.5% | $3,203-69.9% |
| Admin fee / account holder | $723 | $3,771-80.8% | $4,815-85.0% | $4,296-83.2% |