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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 | $23,583 | $47,848-50.7% | $81,473-71.1% | $70,126-66.4% |
| Participation rate | 31.1% | 58.3%-27.1pp | 68.0%-36.8pp | 69.5%-38.4pp |
| Annual return | -16.60% | 27.25%-43.8pp | 38.78%-55.4pp | 73.15%-89.7pp |
| Employer contribution / active EE | $0 | $1,527-100.0% | $2,568-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,877 | $2,453+17.3% | $3,537-18.7% | $3,332-13.6% |
| Admin fee / account holder | $2,608 | $3,145-17.1% | $4,561-42.8% | $4,645-43.9% |