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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 | $27,507 | $48,364-43.1% | $71,796-61.7% | $62,881-56.3% |
| Participation rate | 46.4% | 60.6%-14.2pp | 69.1%-22.7pp | 69.3%-22.9pp |
| Annual return | 1.30% | 13.16%-11.9pp | 78.04%-76.7pp | 20.14%-18.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,292 | $2,091-38.2% | $2,794-53.8% | $3,203-59.7% |
| Admin fee / account holder | $6,125 | $3,771+62.4% | $4,815+27.2% | $4,296+42.6% |