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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 | $27,482 | $87,546-68.6% | $75,784-63.7% | $125,389-78.1% |
| Participation rate | 39.1% | 80.2%-41.0pp | 75.8%-36.7pp | 83.2%-44.1pp |
| Annual return | -5.01% | 13.49%-18.5pp | 9.68%-14.7pp | 282.24%-287.3pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,150 | $4,230-72.8% | $3,652-68.5% | $5,352-78.5% |
| Admin fee / account holder | $6,195 | $6,503-4.7% | $5,300+16.9% | $9,541-35.1% |