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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 | $28,443 | $99,345-71.4% | $84,753-66.4% | $273,972-89.6% |
| Participation rate | 38.1% | 80.7%-42.6pp | 76.6%-38.5pp | 83.0%-44.9pp |
| Annual return | -3.71% | 22.93%-26.6pp | 22.78%-26.5pp | 41.46%-45.2pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,574-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,227 | $4,270-71.3% | $3,712-67.0% | $5,287-76.8% |
| Admin fee / account holder | $478 | $6,645-92.8% | $5,333-91.0% | $10,133-95.3% |