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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 | $40,304 | $56,894-29.2% | $84,753-52.4% | $62,881-35.9% |
| Participation rate | 15.8% | 68.5%-52.7pp | 76.6%-60.8pp | 69.3%-53.5pp |
| Annual return | -1.82% | 6.30%-8.1pp | 22.78%-24.6pp | 20.14%-22.0pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,119 | $2,709-58.7% | $3,712-69.9% | $3,203-65.1% |
| Admin fee / account holder | $2,813 | $3,581-21.4% | $5,333-47.3% | $4,296-34.5% |