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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 | $19,756 | $52,678-62.5% | $75,784-73.9% | $59,633-66.9% |
| Participation rate | 41.0% | 67.2%-26.2pp | 75.8%-34.8pp | 68.7%-27.6pp |
| Annual return | -5.65% | 2.95%-8.6pp | 9.68%-15.3pp | 2041.45%-2047.1pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,147 | $2,591+21.5% | $3,652-13.8% | $3,192-1.4% |
| Admin fee / account holder | $2,843 | $3,610-21.2% | $5,300-46.4% | $4,297-33.8% |