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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 | $45,171 | $158,852-71.6% | $121,220-62.7% | $135,379-66.6% |
| Participation rate | 37.5% | 79.3%-41.8pp | 71.8%-34.3pp | 82.6%-45.1pp |
| Annual return | -12.44% | -0.64%-11.8pp | 16.94%-29.4pp | 519.79%-532.2pp |
| Employer contribution / active EE | $0 | $5,666-100.0% | $4,023-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,480 | $4,006-63.1% | $3,345-55.8% | $5,609-73.6% |
| Admin fee / account holder | $3,032 | $6,515-53.5% | $5,021-39.6% | $10,828-72.0% |