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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 | $29,757 | $69,977-57.5% | $108,579-72.6% | $62,891-52.7% |
| Participation rate | 41.2% | 72.9%-31.7pp | 79.6%-38.4pp | 69.3%-28.1pp |
| Annual return | -0.34% | 10.73%-11.1pp | -51.70%+51.4pp | 20.14%-20.5pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,455 | $3,165-54.0% | $4,311-66.3% | $3,203-54.6% |
| Admin fee / account holder | $2,489 | $5,076-51.0% | $7,645-67.4% | $4,296-42.1% |