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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 | $37,639 | $54,370-30.8% | $82,763-54.5% | $68,490-45.0% |
| Participation rate | 30.8% | 63.9%-33.2pp | 72.6%-41.8pp | 67.9%-37.1pp |
| Annual return | -23.15% | -13.67%-9.5pp | 702.45%-725.6pp | -7.85%-15.3pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,830 | $3,247+48.8% | $4,395+9.9% | $4,028+19.9% |
| Admin fee / account holder | $1,888 | $4,398-57.1% | $5,325-64.5% | $5,403-65.1% |