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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 | $45,262 | $65,704-31.1% | $94,229-52.0% | $59,633-24.1% |
| Participation rate | 48.0% | 72.1%-24.1pp | 78.8%-30.8pp | 68.7%-20.7pp |
| Annual return | -3.44% | 5.22%-8.7pp | 10.68%-14.1pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,557 | $3,143-50.5% | $4,320-64.0% | $3,192-51.2% |
| Admin fee / account holder | $548 | $4,265-87.1% | $6,269-91.3% | $4,297-87.2% |