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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 | $37,872 | $58,828-35.6% | $78,002-51.4% | $62,881-39.8% |
| Participation rate | 68.7% | 71.1%-2.4pp | 75.5%-6.9pp | 69.3%-0.6pp |
| Annual return | -1.46% | 17.16%-18.6pp | 425.99%-427.4pp | 20.14%-21.6pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,571 | $2,686-41.5% | $3,497-55.1% | $3,203-51.0% |
| Admin fee / account holder | $1,192 | $4,393-72.9% | $5,481-78.3% | $4,296-72.3% |