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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 | $23,621 | $71,878-67.1% | $86,698-72.8% | $68,486-65.5% |
| Participation rate | 58.8% | 72.2%-13.5pp | 76.6%-17.8pp | 67.9%-9.1pp |
| Annual return | -21.79% | 3.53%-25.3pp | 35.95%-57.7pp | -7.85%-13.9pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,973 | $3,779+5.1% | $4,656-14.7% | $4,028-1.4% |
| Admin fee / account holder | $1,419 | $6,113-76.8% | $7,493-81.1% | $5,404-73.7% |