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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 | $26,099 | $77,574-66.4% | $108,753-76.0% | $86,983-70.0% |
| Participation rate | 18.2% | 62.3%-44.1pp | 71.1%-52.9pp | 69.5%-51.4pp |
| Annual return | -0.58% | 18.42%-19.0pp | 37.47%-38.1pp | 25.83%-26.4pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,198 | $3,128-29.7% | $4,115-46.6% | $4,194-47.6% |
| Admin fee / account holder | $3,486 | $6,529-46.6% | $10,320-66.2% | $7,856-55.6% |