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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 | $33,173 | $56,287-41.1% | $80,977-59.0% | $62,881-47.2% |
| Participation rate | 42.9% | 68.9%-26.1pp | 75.8%-33.0pp | 69.3%-26.4pp |
| Annual return | -3.94% | 22.13%-26.1pp | 17.11%-21.0pp | 20.14%-24.1pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,290 | $4,196+2.2% | $5,696-24.7% | $3,203+33.9% |
| Admin fee / account holder | $631 | $3,742-83.1% | $5,517-88.6% | $4,296-85.3% |