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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 | $55,854 | $50,947+9.6% | $74,549-25.1% | $64,173-13.0% |
| Participation rate | 35.0% | 61.1%-26.1pp | 69.1%-34.1pp | 69.6%-34.6pp |
| Annual return | -10.46% | -1.85%-8.6pp | 32.53%-43.0pp | 7.63%-18.1pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,098 | $2,302-8.8% | $3,108-32.5% | $3,470-39.5% |
| Admin fee / account holder | $373 | $4,221-91.2% | $5,059-92.6% | $4,887-92.4% |