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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 | $60,508 | $67,411-10.2% | $91,004-33.5% | $70,124-13.7% |
| Participation rate | 46.9% | 71.4%-24.5pp | 75.6%-28.7pp | 69.5%-22.7pp |
| Annual return | 8.97% | -40.16%+49.1pp | 4.60%+4.4pp | 73.14%-64.2pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,319 | $2,823-53.3% | $3,548-62.8% | $3,332-60.4% |
| Admin fee / account holder | $1,888 | $4,236-55.4% | $5,417-65.1% | $4,645-59.4% |